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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 | $251,093 | $116,203+116.1% | $93,621+168.2% | $152,909+64.2% |
| Participation rate | 75.0% | 78.1%-3.1pp | 75.8%-0.8pp | 82.5%-7.5pp |
| Annual return | 48.61% | 35.96%+12.6pp | 32.76%+15.9pp | 345.46%-296.9pp |
| Employer contribution / active EE | $1,379 | $3,219-57.2% | $2,719-49.3% | $4,764-71.1% |
| Participant deferral / active EE | $3,462 | $4,605-24.8% | $4,070-14.9% | $5,851-40.8% |
| Admin fee / account holder | $84,129 | $10,751+682.5% | $7,890+966.3% | $11,601+625.2% |