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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 | $368,795 | $152,619+141.6% | $125,195+194.6% | $152,909+141.2% |
| Participation rate | 80.0% | 83.3%-3.3pp | 79.8%+0.2pp | 82.5%-2.5pp |
| Annual return | 20.75% | 54.85%-34.1pp | 43.79%-23.0pp | 345.46%-324.7pp |
| Employer contribution / active EE | $1,799 | $4,947-63.6% | $3,866-53.5% | $4,764-62.2% |
| Participant deferral / active EE | $13,076 | $5,869+122.8% | $4,937+164.8% | $5,851+123.5% |
| Admin fee / account holder | $1,273 | $13,437-90.5% | $9,704-86.9% | $11,601-89.0% |