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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 | $305,416 | $157,296+94.2% | $141,191+116.3% | $152,897+99.8% |
| Participation rate | 81.8% | 84.8%-3.0pp | 82.5%-0.7pp | 82.5%-0.6pp |
| Annual return | 15.64% | 64.34%-48.7pp | 71.41%-55.8pp | 345.43%-329.8pp |
| Employer contribution / active EE | $3,874 | $5,262-26.4% | $4,736-18.2% | $4,764-18.7% |
| Participant deferral / active EE | $6,783 | $7,111-4.6% | $6,710+1.1% | $5,851+15.9% |
| Admin fee / account holder | $60,099 | $12,125+395.7% | $10,264+485.5% | $11,599+418.1% |