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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 | $324,961 | $111,535+191.4% | $105,223+208.8% | $137,256+136.8% |
| Participation rate | 90.0% | 78.1%+11.9pp | 75.0%+15.0pp | 80.0%+10.0pp |
| Annual return | 18.43% | 237.85%-219.4pp | 180.65%-162.2pp | 220.34%-201.9pp |
| Employer contribution / active EE | $1,680 | $3,939-57.3% | $3,689-54.4% | $4,156-59.6% |
| Participant deferral / active EE | $5,209 | $5,500-5.3% | $5,072+2.7% | $6,407-18.7% |
| Admin fee / account holder | $7,026 | $9,721-27.7% | $8,859-20.7% | $12,270-42.7% |