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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 | $264,058 | $174,379+51.4% | $152,093+73.6% | $138,895+90.1% |
| Participation rate | 85.7% | 81.6%+4.1pp | 77.8%+7.9pp | 79.9%+5.8pp |
| Annual return | 19.24% | 74.86%-55.6pp | 66.36%-47.1pp | 145.39%-126.2pp |
| Employer contribution / active EE | $2,924 | $4,652-37.1% | $4,175-30.0% | $4,194-30.3% |
| Participant deferral / active EE | $9,413 | $6,159+52.8% | $5,451+72.7% | $6,396+47.2% |
| Admin fee / account holder | $4,763 | $16,880-71.8% | $14,497-67.1% | $12,562-62.1% |