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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 | $338,320 | $178,174+89.9% | $156,181+116.6% | $137,256+146.5% |
| Participation rate | 87.5% | 82.0%+5.5pp | 78.8%+8.7pp | 80.0%+7.5pp |
| Annual return | 20.45% | 84.19%-63.7pp | 64.87%-44.4pp | 220.34%-199.9pp |
| Employer contribution / active EE | $1,634 | $4,972-67.1% | $4,294-61.9% | $4,156-60.7% |
| Participant deferral / active EE | $7,750 | $6,888+12.5% | $6,132+26.4% | $6,407+21.0% |
| Admin fee / account holder | $12,160 | $17,404-30.1% | $14,586-16.6% | $12,270-0.9% |