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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 | $339,449 | $117,829+188.1% | $102,423+231.4% | $145,877+132.7% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 19.96% | 31.83%-11.9pp | 29.42%-9.5pp | 551.28%-531.3pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $26,618 | $5,732+364.3% | $5,054+426.6% | $6,691+297.8% |
| Admin fee / account holder | $3,976 | $13,335-70.2% | $9,455-57.9% | $13,402-70.3% |