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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 | $253,447 | $154,228+64.3% | $145,433+74.3% | $137,256+84.7% |
| Participation rate | 87.5% | 83.8%+3.7pp | 82.1%+5.4pp | 80.0%+7.5pp |
| Annual return | 13.24% | 74.59%-61.3pp | 66.58%-53.3pp | 220.34%-207.1pp |
| Employer contribution / active EE | $2,360 | $4,804-50.9% | $4,554-48.2% | $4,156-43.2% |
| Participant deferral / active EE | $9,696 | $8,216+18.0% | $7,897+22.8% | $6,407+51.3% |
| Admin fee / account holder | $527 | $14,344-96.3% | $13,129-96.0% | $12,270-95.7% |