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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 | $391,210 | $162,136+141.3% | $152,301+156.9% | $154,746+152.8% |
| Participation rate | 75.0% | 84.1%-9.1pp | 82.4%-7.4pp | 80.7%-5.7pp |
| Annual return | 22.71% | 91.02%-68.3pp | 80.50%-57.8pp | 172.34%-149.6pp |
| Employer contribution / active EE | $4,020 | $4,890-17.8% | $4,624-13.1% | $4,379-8.2% |
| Participant deferral / active EE | $11,305 | $8,341+35.5% | $8,004+41.2% | $6,730+68.0% |
| Admin fee / account holder | $5,206 | $15,759-67.0% | $14,398-63.8% | $14,365-63.8% |