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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 | $134,817+141.0% | $123,973+162.1% | $155,188+109.4% |
| Participation rate | 90.0% | 79.4%+10.6pp | 76.7%+13.3pp | 80.8%+9.2pp |
| Annual return | 18.43% | 515.49%-497.1pp | 388.13%-369.7pp | 148.84%-130.4pp |
| Employer contribution / active EE | $1,680 | $4,425-62.0% | $4,126-59.3% | $4,248-60.4% |
| Participant deferral / active EE | $5,209 | $5,706-8.7% | $5,247-0.7% | $6,531-20.2% |
| Admin fee / account holder | $7,026 | $13,245-47.0% | $11,799-40.5% | $14,480-51.5% |