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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 | $333,484 | $129,737+157.0% | $119,126+179.9% | $154,746+115.5% |
| Participation rate | 80.0% | 78.9%+1.1pp | 75.8%+4.2pp | 80.7%-0.7pp |
| Annual return | 15.30% | 379.08%-363.8pp | 282.11%-266.8pp | 172.34%-157.0pp |
| Employer contribution / active EE | $2,409 | $4,375-44.9% | $4,034-40.3% | $4,379-45.0% |
| Participant deferral / active EE | $15,359 | $5,842+162.9% | $5,318+188.8% | $6,730+128.2% |
| Admin fee / account holder | $2,423 | $11,961-79.7% | $10,693-77.3% | $14,365-83.1% |