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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 | $307,486 | $157,296+95.5% | $141,191+117.8% | $152,897+101.1% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 21.71% | 64.34%-42.6pp | 71.41%-49.7pp | 345.43%-323.7pp |
| Employer contribution / active EE | $4,898 | $5,262-6.9% | $4,736+3.4% | $4,764+2.8% |
| Participant deferral / active EE | $10,716 | $7,111+50.7% | $6,710+59.7% | $5,851+83.2% |
| Admin fee / account holder | $3,183 | $12,125-73.8% | $10,264-69.0% | $11,599-72.6% |