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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 | $358,450 | $154,228+132.4% | $145,433+146.5% | $137,256+161.2% |
| Participation rate | 83.3% | 83.8%-0.5pp | 82.1%+1.2pp | 80.0%+3.4pp |
| Annual return | 15.81% | 74.59%-58.8pp | 66.58%-50.8pp | 220.34%-204.5pp |
| Employer contribution / active EE | $4,018 | $4,804-16.4% | $4,554-11.8% | $4,156-3.3% |
| Participant deferral / active EE | $22,456 | $8,216+173.3% | $7,897+184.3% | $6,407+250.5% |
| Admin fee / account holder | $2,314 | $14,344-83.9% | $13,129-82.4% | $12,270-81.1% |