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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 | $309,369 | $100,792+206.9% | $86,691+256.9% | $134,509+130.0% |
| Participation rate | 90.0% | 78.9%+11.1pp | 76.6%+13.4pp | 81.2%+8.8pp |
| Annual return | -14.41% | 29.08%-43.5pp | 35.94%-50.4pp | 418.13%-432.5pp |
| Employer contribution / active EE | $2,523 | $3,491-27.7% | $2,837-11.1% | $4,741-46.8% |
| Participant deferral / active EE | $3,856 | $5,339-27.8% | $4,656-17.2% | $6,400-39.8% |
| Admin fee / account holder | $8,419 | $10,924-22.9% | $7,492+12.4% | $11,427-26.3% |