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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 | $258,758 | $165,381+56.5% | $149,730+72.8% | $158,966+62.8% |
| Participation rate | 85.7% | 84.6%+1.1pp | 82.5%+3.2pp | 82.0%+3.8pp |
| Annual return | 18.20% | 348.29%-330.1pp | 276.70%-258.5pp | 302.95%-284.7pp |
| Employer contribution / active EE | $14,286 | $5,104+179.9% | $4,645+207.5% | $4,762+200.0% |
| Participant deferral / active EE | $8,913 | $7,182+24.1% | $6,843+30.3% | $5,983+49.0% |
| Admin fee / account holder | $1,124 | $10,809-89.6% | $9,310-87.9% | $11,250-90.0% |