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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 | $276,807 | $135,956+103.6% | $123,894+123.4% | $273,972+1.0% |
| Participation rate | 91.7% | 84.1%+7.6pp | 81.4%+10.3pp | 83.0%+8.7pp |
| Annual return | 7.76% | 56.63%-48.9pp | 47.52%-39.8pp | 41.46%-33.7pp |
| Employer contribution / active EE | $5,593 | $5,170+8.2% | $4,617+21.1% | $4,869+14.9% |
| Participant deferral / active EE | $8,526 | $6,343+34.4% | $5,984+42.5% | $5,287+61.3% |
| Admin fee / account holder | $4,509 | $9,817-54.1% | $8,357-46.0% | $10,133-55.5% |