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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 | $343,193 | $223,823+53.3% | $211,142+62.5% | $154,746+121.8% |
| Participation rate | 83.3% | 87.9%-4.5pp | 87.3%-4.0pp | 80.7%+2.6pp |
| Annual return | 20.23% | 50.39%-30.2pp | 46.84%-26.6pp | 172.34%-152.1pp |
| Employer contribution / active EE | $8,281 | $6,787+22.0% | $6,442+28.5% | $4,379+89.1% |
| Participant deferral / active EE | $19,793 | $9,750+103.0% | $9,284+113.2% | $6,730+194.1% |
| Admin fee / account holder | $2,012 | $19,707-89.8% | $19,076-89.5% | $14,365-86.0% |