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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 | $266,256 | $225,673+18.0% | $203,872+30.6% | $155,188+71.6% |
| Participation rate | 77.8% | 80.3%-2.5pp | 77.8%0pp | 80.8%-3.0pp |
| Annual return | 12.31% | 95.91%-83.6pp | 85.11%-72.8pp | 148.84%-136.5pp |
| Employer contribution / active EE | $1,870 | $4,099-54.4% | $3,757-50.2% | $4,248-56.0% |
| Participant deferral / active EE | $4,247 | $6,893-38.4% | $6,388-33.5% | $6,531-35.0% |
| Admin fee / account holder | $41,974 | $12,327+240.5% | $11,730+257.8% | $14,480+189.9% |