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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 | $363,970 | $183,627+98.2% | $155,602+133.9% | $145,978+149.3% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 29.22% | 61.32%-32.1pp | 64.81%-35.6pp | 550.52%-521.3pp |
| Employer contribution / active EE | $2,545 | $5,316-52.1% | $4,675-45.6% | $4,662-45.4% |
| Participant deferral / active EE | $4,961 | $6,466-23.3% | $5,629-11.9% | $6,690-25.8% |
| Admin fee / account holder | $1,695 | $19,327-91.2% | $15,923-89.4% | $13,400-87.4% |