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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 | $274,331 | $154,209+77.9% | $130,062+110.9% | $139,487+96.7% |
| Participation rate | 85.7% | 82.0%+3.7pp | 78.5%+7.2pp | 80.3%+5.4pp |
| Annual return | 20.19% | 32.52%-12.3pp | -137.37%+157.6pp | 373.84%-353.7pp |
| Employer contribution / active EE | $1,745 | $5,292-67.0% | $4,322-59.6% | $4,755-63.3% |
| Participant deferral / active EE | $5,358 | $6,709-20.1% | $5,821-8.0% | $6,713-20.2% |
| Admin fee / account holder | $838 | $13,988-94.0% | $10,601-92.1% | $11,407-92.7% |