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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 | $183,627+128.9% | $155,602+170.1% | $145,978+188.0% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 9.37% | 61.32%-51.9pp | 64.81%-55.4pp | 550.52%-541.1pp |
| Employer contribution / active EE | $2,356 | $5,316-55.7% | $4,675-49.6% | $4,662-49.5% |
| Participant deferral / active EE | $14,615 | $6,466+126.0% | $5,629+159.6% | $6,690+118.5% |
| Admin fee / account holder | $4,717 | $19,327-75.6% | $15,923-70.4% | $13,400-64.8% |