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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 | $339,348 | $172,111+97.2% | $150,298+125.8% | $137,256+147.2% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 21.63% | 69.37%-47.7pp | 62.79%-41.2pp | 220.34%-198.7pp |
| Employer contribution / active EE | $3,174 | $4,636-31.5% | $4,154-23.6% | $4,156-23.6% |
| Participant deferral / active EE | $19,020 | $6,166+208.5% | $5,453+248.8% | $6,407+196.9% |
| Admin fee / account holder | $8,220 | $16,471-50.1% | $14,116-41.8% | $12,270-33.0% |