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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 | $270,140 | $115,814+133.3% | $101,275+166.7% | $158,982+69.9% |
| Participation rate | 90.0% | 79.4%+10.6pp | 75.8%+14.2pp | 82.0%+8.0pp |
| Annual return | 14.00% | 56.16%-42.2pp | 46.48%-32.5pp | 302.99%-289.0pp |
| Employer contribution / active EE | $3,268 | $4,176-21.7% | $3,660-10.7% | $4,763-31.4% |
| Participant deferral / active EE | $7,638 | $4,958+54.0% | $4,371+74.8% | $5,983+27.6% |
| Admin fee / account holder | $1,927 | $7,249-73.4% | $5,948-67.6% | $11,252-82.9% |