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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 | $181,062+50.2% | $158,223+71.8% | $155,188+75.2% |
| Participation rate | 73.3% | 82.7%-9.3pp | 79.2%-5.9pp | 80.8%-7.5pp |
| Annual return | 17.20% | 57.39%-40.2pp | 52.09%-34.9pp | 148.84%-131.6pp |
| Employer contribution / active EE | $2,819 | $4,565-38.2% | $4,109-31.4% | $4,248-33.6% |
| Participant deferral / active EE | $10,568 | $6,134+72.3% | $5,467+93.3% | $6,531+61.8% |
| Admin fee / account holder | $1,156 | $18,825-93.9% | $16,047-92.8% | $14,480-92.0% |