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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 | $309,325 | $211,224+46.4% | $178,505+73.3% | $145,897+112.0% |
| Participation rate | 83.3% | 80.8%+2.5pp | 77.1%+6.2pp | 80.3%+3.0pp |
| Annual return | 11.78% | 30.28%-18.5pp | 27.16%-15.4pp | 552.29%-540.5pp |
| Employer contribution / active EE | $5,867 | $4,577+28.2% | $3,955+48.3% | $4,663+25.8% |
| Participant deferral / active EE | $16,083 | $6,966+130.9% | $6,280+156.1% | $6,689+140.4% |
| Admin fee / account holder | $11,507 | $12,109-5.0% | $10,428+10.4% | $13,390-14.1% |