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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 | $317,141 | $162,136+95.6% | $152,301+108.2% | $154,746+104.9% |
| Participation rate | 87.5% | 84.1%+3.4pp | 82.4%+5.1pp | 80.7%+6.8pp |
| Annual return | 18.08% | 91.02%-72.9pp | 80.50%-62.4pp | 172.34%-154.3pp |
| Employer contribution / active EE | $2,649 | $4,890-45.8% | $4,624-42.7% | $4,379-39.5% |
| Participant deferral / active EE | $11,283 | $8,341+35.3% | $8,004+41.0% | $6,730+67.6% |
| Admin fee / account holder | $51,158 | $15,759+224.6% | $14,398+255.3% | $14,365+256.1% |