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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 | $256,329 | $201,370+27.3% | $184,256+39.1% | $145,897+75.7% |
| Participation rate | 80.0% | 87.5%-7.5pp | 86.8%-6.8pp | 80.3%-0.3pp |
| Annual return | 19.83% | 29.05%-9.2pp | 28.85%-9.0pp | 552.29%-532.5pp |
| Employer contribution / active EE | $2,166 | $7,024-69.2% | $6,427-66.3% | $4,663-53.5% |
| Participant deferral / active EE | $8,423 | $9,808-14.1% | $9,133-7.8% | $6,689+25.9% |
| Admin fee / account holder | $17,860 | $16,364+9.1% | $13,899+28.5% | $13,390+33.4% |