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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 | $301,045 | $176,402+70.7% | $134,162+124.4% | $158,966+89.4% |
| Participation rate | 80.0% | 78.7%+1.3pp | 72.2%+7.8pp | 82.0%-2.0pp |
| Annual return | 21.60% | 63.66%-42.1pp | 36.35%-14.7pp | 302.95%-281.4pp |
| Employer contribution / active EE | $2,320 | $5,042-54.0% | $3,705-37.4% | $4,762-51.3% |
| Participant deferral / active EE | $7,491 | $4,093+83.0% | $3,500+114.0% | $5,983+25.2% |
| Admin fee / account holder | $5,330 | $8,719-38.9% | $6,685-20.3% | $11,250-52.6% |