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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 | $271,898 | $227,399+19.6% | $189,758+43.3% | $198,609+36.9% |
| Participation rate | 73.3% | 84.0%-10.7pp | 79.8%-6.5pp | 82.4%-9.0pp |
| Annual return | 17.20% | 61.03%-43.8pp | 52.62%-35.4pp | 202.70%-185.5pp |
| Employer contribution / active EE | $2,819 | $5,526-49.0% | $4,767-40.9% | $5,055-44.2% |
| Participant deferral / active EE | $10,568 | $6,837+54.6% | $5,856+80.5% | $6,977+51.5% |
| Admin fee / account holder | $1,156 | $25,162-95.4% | $20,388-94.3% | $19,030-93.9% |