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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 | $310,968 | $211,239+47.2% | $178,528+74.2% | $145,877+113.2% |
| Participation rate | 80.0% | 80.8%-0.8pp | 77.1%+2.9pp | 80.3%-0.3pp |
| Annual return | 18.41% | 30.22%-11.8pp | 27.11%-8.7pp | 551.28%-532.9pp |
| Employer contribution / active EE | $3,901 | $4,570-14.7% | $3,950-1.3% | $4,663-16.3% |
| Participant deferral / active EE | $12,700 | $6,963+82.4% | $6,278+102.3% | $6,691+89.8% |
| Admin fee / account holder | $469 | $12,095-96.1% | $10,419-95.5% | $13,402-96.5% |