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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 | $341,925 | $148,629+130.1% | $135,982+151.4% | $139,487+145.1% |
| Participation rate | 80.0% | 83.9%-3.9pp | 81.9%-1.9pp | 80.3%-0.3pp |
| Annual return | 15.44% | 79.33%-63.9pp | 68.32%-52.9pp | 373.84%-358.4pp |
| Employer contribution / active EE | $5,954 | $5,247+13.5% | $4,859+22.5% | $4,755+25.2% |
| Participant deferral / active EE | $15,508 | $8,102+91.4% | $7,760+99.8% | $6,713+131.0% |
| Admin fee / account holder | $42,825 | $12,406+245.2% | $10,767+297.7% | $11,407+275.4% |