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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 | $337,704 | $185,905+81.7% | $170,057+98.6% | $139,487+142.1% |
| Participation rate | 92.3% | 87.8%+4.5pp | 87.0%+5.3pp | 80.3%+12.0pp |
| Annual return | 32.11% | 60.56%-28.5pp | 53.42%-21.3pp | 373.84%-341.7pp |
| Employer contribution / active EE | $5,600 | $7,597-26.3% | $6,790-17.5% | $4,755+17.8% |
| Participant deferral / active EE | $5,722 | $11,627-50.8% | $10,411-45.0% | $6,713-14.8% |
| Admin fee / account holder | $1,493 | $15,397-90.3% | $12,826-88.4% | $11,407-86.9% |