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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 | $264,025 | $209,336+26.1% | $197,124+33.9% | $137,256+92.4% |
| Participation rate | 92.3% | 87.3%+5.0pp | 86.7%+5.6pp | 80.0%+12.3pp |
| Annual return | 15.63% | 48.09%-32.5pp | 44.34%-28.7pp | 220.34%-204.7pp |
| Employer contribution / active EE | $8,062 | $6,591+22.3% | $6,227+29.5% | $4,156+94.0% |
| Participant deferral / active EE | $12,635 | $9,614+31.4% | $9,135+38.3% | $6,407+97.2% |
| Admin fee / account holder | $3,825 | $17,308-77.9% | $16,298-76.5% | $12,270-68.8% |