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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 | $183,516+98.3% | $155,534+134.0% | $145,884+149.5% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 29.22% | 61.43%-32.2pp | 64.92%-35.7pp | 551.85%-522.6pp |
| Employer contribution / active EE | $2,545 | $5,315-52.1% | $4,675-45.6% | $4,662-45.4% |
| Participant deferral / active EE | $4,961 | $6,467-23.3% | $5,630-11.9% | $6,690-25.8% |
| Admin fee / account holder | $1,695 | $19,293-91.2% | $15,900-89.3% | $13,392-87.3% |