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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 | $262,539 | $95,580+174.7% | $76,872+241.5% | $139,466+88.2% |
| Participation rate | 71.4% | 74.0%-2.5pp | 69.6%+1.8pp | 80.3%-8.9pp |
| Annual return | 25.07% | 55.00%-29.9pp | 37.90%-12.8pp | 373.66%-348.6pp |
| Employer contribution / active EE | $7,680 | $3,145+144.2% | $2,533+203.1% | $4,754+61.5% |
| Participant deferral / active EE | $9,031 | $4,623+95.4% | $3,832+135.7% | $6,712+34.5% |
| Admin fee / account holder | $1,210 | $8,302-85.4% | $5,476-77.9% | $11,409-89.4% |