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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 | $299,604 | $174,379+71.8% | $152,093+97.0% | $138,895+115.7% |
| Participation rate | 70.0% | 81.6%-11.6pp | 77.8%-7.8pp | 79.9%-9.9pp |
| Annual return | 16.19% | 74.86%-58.7pp | 66.36%-50.2pp | 145.39%-129.2pp |
| Employer contribution / active EE | $2,915 | $4,652-37.3% | $4,175-30.2% | $4,194-30.5% |
| Participant deferral / active EE | $6,486 | $6,159+5.3% | $5,451+19.0% | $6,396+1.4% |
| Admin fee / account holder | $3,793 | $16,880-77.5% | $14,497-73.8% | $12,562-69.8% |