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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 | $336,581 | $108,882+209.1% | $96,754+247.9% | $154,746+117.5% |
| Participation rate | 82.4% | 75.1%+7.3pp | 70.3%+12.1pp | 80.7%+1.7pp |
| Annual return | 17.63% | 98.39%-80.8pp | 82.04%-64.4pp | 172.34%-154.7pp |
| Employer contribution / active EE | $3,842 | $3,018+27.3% | $2,679+43.4% | $4,379-12.3% |
| Participant deferral / active EE | $12,060 | $5,323+126.6% | $4,758+153.5% | $6,730+79.2% |
| Admin fee / account holder | $9,119 | $10,200-10.6% | $8,905+2.4% | $14,365-36.5% |