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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 | $394,012 | $162,136+143.0% | $152,301+158.7% | $154,746+154.6% |
| Participation rate | 85.7% | 84.1%+1.6pp | 82.4%+3.3pp | 80.7%+5.0pp |
| Annual return | 11.90% | 91.02%-79.1pp | 80.50%-68.6pp | 172.34%-160.4pp |
| Employer contribution / active EE | $3,236 | $4,890-33.8% | $4,624-30.0% | $4,379-26.1% |
| Participant deferral / active EE | $6,877 | $8,341-17.5% | $8,004-14.1% | $6,730+2.2% |
| Admin fee / account holder | $25,652 | $15,759+62.8% | $14,398+78.2% | $14,365+78.6% |