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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 | $295,850 | $172,111+71.9% | $150,298+96.8% | $137,256+115.5% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 14.42% | 69.37%-55.0pp | 62.79%-48.4pp | 220.34%-205.9pp |
| Employer contribution / active EE | $6,984 | $4,636+50.6% | $4,154+68.1% | $4,156+68.0% |
| Participant deferral / active EE | $7,542 | $6,166+22.3% | $5,453+38.3% | $6,407+17.7% |
| Admin fee / account holder | $4,095 | $16,471-75.1% | $14,116-71.0% | $12,270-66.6% |