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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 | $306,979 | $202,440+51.6% | $169,390+81.2% | $139,466+120.1% |
| Participation rate | 92.3% | 81.1%+11.2pp | 77.2%+15.1pp | 80.3%+12.0pp |
| Annual return | 14.18% | 532.36%-518.2pp | 406.07%-391.9pp | 373.66%-359.5pp |
| Employer contribution / active EE | $7,692 | $4,693+63.9% | $4,013+91.7% | $4,754+61.8% |
| Participant deferral / active EE | $19,251 | $6,940+177.4% | $6,222+209.4% | $6,712+186.8% |
| Admin fee / account holder | $2,402 | $10,722-77.6% | $9,015-73.4% | $11,409-78.9% |