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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 | $350,431 | $154,228+127.2% | $145,433+141.0% | $137,256+155.3% |
| Participation rate | 88.9% | 83.8%+5.1pp | 82.1%+6.8pp | 80.0%+8.9pp |
| Annual return | 17.42% | 74.59%-57.2pp | 66.58%-49.2pp | 220.34%-202.9pp |
| Employer contribution / active EE | $4,965 | $4,804+3.3% | $4,554+9.0% | $4,156+19.5% |
| Participant deferral / active EE | $11,175 | $8,216+36.0% | $7,897+41.5% | $6,407+74.4% |
| Admin fee / account holder | $19,011 | $14,344+32.5% | $13,129+44.8% | $12,270+54.9% |