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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 | $375,682 | $211,239+77.8% | $178,528+110.4% | $145,877+157.5% |
| Participation rate | 81.3% | 80.8%+0.5pp | 77.1%+4.1pp | 80.3%+0.9pp |
| Annual return | 13.26% | 30.22%-17.0pp | 27.11%-13.9pp | 551.28%-538.0pp |
| Employer contribution / active EE | $4,688 | $4,570+2.6% | $3,950+18.7% | $4,663+0.5% |
| Participant deferral / active EE | $6,377 | $6,963-8.4% | $6,278+1.6% | $6,691-4.7% |
| Admin fee / account holder | $13,974 | $12,095+15.5% | $10,419+34.1% | $13,402+4.3% |