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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 | $257,209 | $157,296+63.5% | $141,191+82.2% | $152,897+68.2% |
| Participation rate | 86.7% | 84.8%+1.8pp | 82.5%+4.2pp | 82.5%+4.2pp |
| Annual return | 24.62% | 64.34%-39.7pp | 71.41%-46.8pp | 345.43%-320.8pp |
| Employer contribution / active EE | $4,373 | $5,262-16.9% | $4,736-7.7% | $4,764-8.2% |
| Participant deferral / active EE | $8,000 | $7,111+12.5% | $6,710+19.2% | $5,851+36.7% |
| Admin fee / account holder | $5,067 | $12,125-58.2% | $10,264-50.6% | $11,599-56.3% |