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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 | $337,497 | $154,228+118.8% | $145,433+132.1% | $137,256+145.9% |
| Participation rate | 75.0% | 83.8%-8.8pp | 82.1%-7.1pp | 80.0%-5.0pp |
| Annual return | 13.12% | 74.59%-61.5pp | 66.58%-53.5pp | 220.34%-207.2pp |
| Employer contribution / active EE | $3,294 | $4,804-31.4% | $4,554-27.7% | $4,156-20.7% |
| Participant deferral / active EE | $15,830 | $8,216+92.7% | $7,897+100.4% | $6,407+147.1% |
| Admin fee / account holder | $28,090 | $14,344+95.8% | $13,129+114.0% | $12,270+128.9% |