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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 | $268,724 | $181,062+48.4% | $158,223+69.8% | $155,188+73.2% |
| Participation rate | 83.3% | 82.7%+0.7pp | 79.2%+4.1pp | 80.8%+2.5pp |
| Annual return | 19.66% | 57.39%-37.7pp | 52.09%-32.4pp | 148.84%-129.2pp |
| Employer contribution / active EE | $7,204 | $4,565+57.8% | $4,109+75.3% | $4,248+69.6% |
| Participant deferral / active EE | $4,338 | $6,134-29.3% | $5,467-20.6% | $6,531-33.6% |
| Admin fee / account holder | $1,413 | $18,825-92.5% | $16,047-91.2% | $14,480-90.2% |