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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 | $357,852 | $162,136+120.7% | $152,301+135.0% | $154,746+131.3% |
| Participation rate | 75.0% | 84.1%-9.1pp | 82.4%-7.4pp | 80.7%-5.7pp |
| Annual return | 21.41% | 91.02%-69.6pp | 80.50%-59.1pp | 172.34%-150.9pp |
| Employer contribution / active EE | $3,819 | $4,890-21.9% | $4,624-17.4% | $4,379-12.8% |
| Participant deferral / active EE | $12,738 | $8,341+52.7% | $8,004+59.1% | $6,730+89.3% |
| Admin fee / account holder | $1,599 | $15,759-89.9% | $14,398-88.9% | $14,365-88.9% |