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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 | $346,424 | $160,040+116.5% | $147,096+135.5% | $145,877+137.5% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 11.04% | 98.49%-87.5pp | 419.75%-408.7pp | 551.28%-540.2pp |
| Employer contribution / active EE | $2,229 | $5,289-57.9% | $4,936-54.9% | $4,663-52.2% |
| Participant deferral / active EE | $5,072 | $8,429-39.8% | $8,071-37.2% | $6,691-24.2% |
| Admin fee / account holder | $4,853 | $15,050-67.8% | $13,005-62.7% | $13,402-63.8% |