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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 | $196,972+81.7% | $182,262+96.3% | $198,609+80.2% |
| Participation rate | 75.0% | 85.7%-10.7pp | 84.2%-9.2pp | 82.4%-7.4pp |
| Annual return | 21.41% | 158.27%-136.9pp | 140.60%-119.2pp | 202.70%-181.3pp |
| Employer contribution / active EE | $3,819 | $5,364-28.8% | $5,046-24.3% | $5,055-24.5% |
| Participant deferral / active EE | $12,738 | $8,643+47.4% | $8,276+53.9% | $6,977+82.6% |
| Admin fee / account holder | $1,599 | $18,429-91.3% | $16,712-90.4% | $19,030-91.6% |