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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 | $259,015 | $148,623+74.3% | $135,974+90.5% | $139,466+85.7% |
| Participation rate | 71.4% | 83.9%-12.4pp | 81.9%-10.5pp | 80.3%-8.9pp |
| Annual return | 16.85% | 79.30%-62.5pp | 68.30%-51.5pp | 373.66%-356.8pp |
| Employer contribution / active EE | $1,314 | $5,246-75.0% | $4,859-73.0% | $4,754-72.4% |
| Participant deferral / active EE | $4,656 | $8,103-42.5% | $7,760-40.0% | $6,712-30.6% |
| Admin fee / account holder | $1,377 | $12,406-88.9% | $10,767-87.2% | $11,409-87.9% |