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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 | $264,694 | $181,062+46.2% | $158,223+67.3% | $155,188+70.6% |
| Participation rate | 75.0% | 82.7%-7.7pp | 79.2%-4.2pp | 80.8%-5.8pp |
| Annual return | 15.05% | 57.39%-42.3pp | 52.09%-37.0pp | 148.84%-133.8pp |
| Employer contribution / active EE | $10,867 | $4,565+138.1% | $4,109+164.5% | $4,248+155.8% |
| Participant deferral / active EE | $6,595 | $6,134+7.5% | $5,467+20.6% | $6,531+1.0% |
| Admin fee / account holder | $12,814 | $18,825-31.9% | $16,047-20.1% | $14,480-11.5% |