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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 | $284,828 | $211,239+34.8% | $178,528+59.5% | $145,877+95.3% |
| Participation rate | 80.0% | 80.8%-0.8pp | 77.1%+2.9pp | 80.3%-0.3pp |
| Annual return | 10.45% | 30.22%-19.8pp | 27.11%-16.7pp | 551.28%-540.8pp |
| Employer contribution / active EE | $2,965 | $4,570-35.1% | $3,950-25.0% | $4,663-36.4% |
| Participant deferral / active EE | $3,320 | $6,963-52.3% | $6,278-47.1% | $6,691-50.4% |
| Admin fee / account holder | $7,688 | $12,095-36.4% | $10,419-26.2% | $13,402-42.6% |