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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 | $303,194 | $129,737+133.7% | $119,126+154.5% | $154,746+95.9% |
| Participation rate | 81.3% | 78.9%+2.4pp | 75.8%+5.5pp | 80.7%+0.5pp |
| Annual return | 14.02% | 379.08%-365.1pp | 282.11%-268.1pp | 172.34%-158.3pp |
| Employer contribution / active EE | $2,616 | $4,375-40.2% | $4,034-35.2% | $4,379-40.3% |
| Participant deferral / active EE | $11,096 | $5,842+89.9% | $5,318+108.7% | $6,730+64.9% |
| Admin fee / account holder | $1,223 | $11,961-89.8% | $10,693-88.6% | $14,365-91.5% |