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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 | $426,150 | $174,379+144.4% | $152,093+180.2% | $138,895+206.8% |
| Participation rate | 87.5% | 81.6%+5.9pp | 77.8%+9.7pp | 79.9%+7.6pp |
| Annual return | 14.83% | 74.86%-60.0pp | 66.36%-51.5pp | 145.39%-130.6pp |
| Employer contribution / active EE | $2,510 | $4,652-46.0% | $4,175-39.9% | $4,194-40.2% |
| Participant deferral / active EE | $8,743 | $6,159+41.9% | $5,451+60.4% | $6,396+36.7% |
| Admin fee / account holder | $1,818 | $16,880-89.2% | $14,497-87.5% | $12,562-85.5% |