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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 | $321,872 | $201,370+59.8% | $184,256+74.7% | $145,897+120.6% |
| Participation rate | 93.3% | 87.5%+5.8pp | 86.8%+6.5pp | 80.3%+13.0pp |
| Annual return | 19.25% | 29.05%-9.8pp | 28.85%-9.6pp | 552.29%-533.0pp |
| Employer contribution / active EE | $8,324 | $7,024+18.5% | $6,427+29.5% | $4,663+78.5% |
| Participant deferral / active EE | $16,115 | $9,808+64.3% | $9,133+76.4% | $6,689+140.9% |
| Admin fee / account holder | $612 | $16,364-96.3% | $13,899-95.6% | $13,390-95.4% |