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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 | $303,604 | $217,432+39.6% | $185,851+63.4% | $167,553+81.2% |
| Participation rate | 75.0% | 86.1%-11.1pp | 81.7%-6.7pp | 82.1%-7.1pp |
| Annual return | 17.28% | 148.43%-131.2pp | 122.11%-104.8pp | 478.89%-461.6pp |
| Employer contribution / active EE | $6,186 | $5,874+5.3% | $5,168+19.7% | $4,840+27.8% |
| Participant deferral / active EE | $5,497 | $6,357-13.5% | $5,569-1.3% | $6,343-13.3% |
| Admin fee / account holder | $5,375 | $19,820-72.9% | $16,245-66.9% | $12,316-56.4% |