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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $333,752 | $212,386+57.1% | $199,883+67.0% | $138,895+140.3% |
| Participation rate | 70.0% | 87.4%-17.4pp | 86.8%-16.8pp | 79.9%-9.9pp |
| Annual return | 25.59% | 47.75%-22.2pp | 43.81%-18.2pp | 145.39%-119.8pp |
| Employer contribution / active EE | $6,532 | $6,625-1.4% | $6,261+4.3% | $4,194+55.7% |
| Participant deferral / active EE | $10,737 | $9,617+11.6% | $9,138+17.5% | $6,396+67.9% |
| Admin fee / account holder | $7,946 | $18,233-56.4% | $17,268-54.0% | $12,562-36.7% |