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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 | $376,859 | $100,938+273.4% | $90,461+316.6% | $158,982+137.0% |
| Participation rate | 75.0% | 75.0%0pp | 72.7%+2.3pp | 82.0%-7.0pp |
| Annual return | 14.57% | 1727.20%-1712.6pp | 1294.76%-1280.2pp | 302.99%-288.4pp |
| Employer contribution / active EE | $2,695 | $3,691-27.0% | $3,264-17.4% | $4,763-43.4% |
| Participant deferral / active EE | $8,420 | $4,350+93.6% | $3,964+112.4% | $5,983+40.7% |
| Admin fee / account holder | $744 | $6,510-88.6% | $5,617-86.7% | $11,252-93.4% |