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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 | $336,956 | $166,131+102.8% | $164,975+104.2% | $145,877+131.0% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 20.99% | 100.37%-79.4pp | 70.12%-49.1pp | 551.28%-530.3pp |
| Employer contribution / active EE | $2,348 | $5,276-55.5% | $4,343-45.9% | $4,663-49.6% |
| Participant deferral / active EE | $12,495 | $6,962+79.5% | $6,033+107.1% | $6,691+86.8% |
| Admin fee / account holder | $3,810 | $16,648-77.1% | $12,688-70.0% | $13,402-71.6% |