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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 | $166,242+102.7% | $165,071+104.1% | $145,884+131.0% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 20.99% | 100.44%-79.5pp | 70.17%-49.2pp | 551.85%-530.9pp |
| Employer contribution / active EE | $2,348 | $5,283-55.6% | $4,347-46.0% | $4,662-49.6% |
| Participant deferral / active EE | $12,495 | $6,964+79.4% | $6,035+107.0% | $6,690+86.8% |
| Admin fee / account holder | $3,810 | $16,658-77.1% | $12,695-70.0% | $13,392-71.6% |