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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 | $359,446 | $156,398+129.8% | $147,318+144.0% | $138,895+158.8% |
| Participation rate | 73.3% | 83.8%-10.4pp | 82.1%-8.7pp | 79.9%-6.6pp |
| Annual return | 29.41% | 78.75%-49.3pp | 70.43%-41.0pp | 145.39%-116.0pp |
| Employer contribution / active EE | $1,948 | $4,853-59.9% | $4,593-57.6% | $4,194-53.6% |
| Participant deferral / active EE | $10,144 | $8,237+23.1% | $7,906+28.3% | $6,396+58.6% |
| Admin fee / account holder | $5,078 | $14,976-66.1% | $13,708-63.0% | $12,562-59.6% |