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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 | $209,336+63.9% | $197,124+74.1% | $137,256+150.0% |
| Participation rate | 83.3% | 87.3%-4.0pp | 86.7%-3.4pp | 80.0%+3.4pp |
| Annual return | 20.23% | 48.09%-27.9pp | 44.34%-24.1pp | 220.34%-200.1pp |
| Employer contribution / active EE | $8,281 | $6,591+25.6% | $6,227+33.0% | $4,156+99.3% |
| Participant deferral / active EE | $19,793 | $9,614+105.9% | $9,135+116.7% | $6,407+208.9% |
| Admin fee / account holder | $2,012 | $17,308-88.4% | $16,298-87.7% | $12,270-83.6% |