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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 | $383,061 | $154,228+148.4% | $145,433+163.4% | $137,256+179.1% |
| Participation rate | 88.9% | 83.8%+5.1pp | 82.1%+6.8pp | 80.0%+8.9pp |
| Annual return | 17.99% | 74.59%-56.6pp | 66.58%-48.6pp | 220.34%-202.3pp |
| Employer contribution / active EE | $5,867 | $4,804+22.1% | $4,554+28.8% | $4,156+41.2% |
| Participant deferral / active EE | $12,882 | $8,216+56.8% | $7,897+63.1% | $6,407+101.1% |
| Admin fee / account holder | $520 | $14,344-96.4% | $13,129-96.0% | $12,270-95.8% |