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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 | $183,539+129.0% | $155,556+170.2% | $145,897+188.1% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 9.37% | 61.31%-51.9pp | 64.84%-55.5pp | 552.29%-542.9pp |
| Employer contribution / active EE | $2,356 | $5,315-55.7% | $4,675-49.6% | $4,663-49.5% |
| Participant deferral / active EE | $14,615 | $6,467+126.0% | $5,631+159.6% | $6,689+118.5% |
| Admin fee / account holder | $4,717 | $19,275-75.5% | $15,885-70.3% | $13,390-64.8% |