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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 | $333,031 | $185,856+79.2% | $170,028+95.9% | $139,456+138.8% |
| Participation rate | 87.5% | 87.8%-0.3pp | 87.0%+0.5pp | 80.3%+7.2pp |
| Annual return | 15.62% | 60.52%-44.9pp | 53.39%-37.8pp | 373.45%-357.8pp |
| Employer contribution / active EE | $14,102 | $7,593+85.7% | $6,788+107.8% | $4,753+196.7% |
| Participant deferral / active EE | $10,403 | $11,623-10.5% | $10,409-0.1% | $6,711+55.0% |
| Admin fee / account holder | $2,455 | $15,387-84.0% | $12,820-80.9% | $11,407-78.5% |