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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 | $367,775 | $183,539+100.4% | $155,556+136.4% | $145,897+152.1% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 16.12% | 61.31%-45.2pp | 64.84%-48.7pp | 552.29%-536.2pp |
| Employer contribution / active EE | $1,545 | $5,315-70.9% | $4,675-67.0% | $4,663-66.9% |
| Participant deferral / active EE | $5,993 | $6,467-7.3% | $5,631+6.4% | $6,689-10.4% |
| Admin fee / account holder | $751 | $19,275-96.1% | $15,885-95.3% | $13,390-94.4% |