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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 | $311,860 | $112,121+178.1% | $95,960+225.0% | $158,966+96.2% |
| Participation rate | 90.0% | 79.0%+11.0pp | 77.1%+12.9pp | 82.0%+8.0pp |
| Annual return | 15.25% | 171.16%-155.9pp | 91.63%-76.4pp | 302.95%-287.7pp |
| Employer contribution / active EE | $2,749 | $3,199-14.1% | $2,541+8.2% | $4,762-42.3% |
| Participant deferral / active EE | $3,775 | $4,784-21.1% | $4,167-9.4% | $5,983-36.9% |
| Admin fee / account holder | $1,203 | $10,135-88.1% | $6,797-82.3% | $11,250-89.3% |