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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 | $303,920 | $154,228+97.1% | $145,433+109.0% | $137,256+121.4% |
| Participation rate | 75.0% | 83.8%-8.8pp | 82.1%-7.1pp | 80.0%-5.0pp |
| Annual return | 16.16% | 74.59%-58.4pp | 66.58%-50.4pp | 220.34%-204.2pp |
| Employer contribution / active EE | $13,398 | $4,804+178.9% | $4,554+194.2% | $4,156+222.4% |
| Participant deferral / active EE | $10,122 | $8,216+23.2% | $7,897+28.2% | $6,407+58.0% |
| Admin fee / account holder | $10,885 | $14,344-24.1% | $13,129-17.1% | $12,270-11.3% |