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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 | $342,243 | $178,174+92.1% | $156,181+119.1% | $137,256+149.3% |
| Participation rate | 90.9% | 82.0%+8.9pp | 78.8%+12.1pp | 80.0%+10.9pp |
| Annual return | 15.94% | 84.19%-68.2pp | 64.87%-48.9pp | 220.34%-204.4pp |
| Employer contribution / active EE | $7,778 | $4,972+56.4% | $4,294+81.1% | $4,156+87.1% |
| Participant deferral / active EE | $18,747 | $6,888+172.2% | $6,132+205.7% | $6,407+192.6% |
| Admin fee / account holder | $992 | $17,404-94.3% | $14,586-93.2% | $12,270-91.9% |