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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 | $420,350 | $183,592+129.0% | $155,574+170.2% | $145,877+188.2% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 9.37% | 61.37%-52.0pp | 64.87%-55.5pp | 551.28%-541.9pp |
| Employer contribution / active EE | $2,356 | $5,317-55.7% | $4,676-49.6% | $4,663-49.5% |
| Participant deferral / active EE | $14,615 | $6,466+126.0% | $5,629+159.6% | $6,691+118.4% |
| Admin fee / account holder | $4,717 | $19,316-75.6% | $15,914-70.4% | $13,402-64.8% |