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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 | $292,460 | $178,174+64.1% | $156,181+87.3% | $137,256+113.1% |
| Participation rate | 82.4% | 82.0%+0.3pp | 78.8%+3.5pp | 80.0%+2.4pp |
| Annual return | 15.06% | 84.19%-69.1pp | 64.87%-49.8pp | 220.34%-205.3pp |
| Employer contribution / active EE | $2,209 | $4,972-55.6% | $4,294-48.6% | $4,156-46.8% |
| Participant deferral / active EE | $6,877 | $6,888-0.2% | $6,132+12.1% | $6,407+7.3% |
| Admin fee / account holder | $5,807 | $17,404-66.6% | $14,586-60.2% | $12,270-52.7% |