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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 | $255,269 | $157,304+62.3% | $141,197+80.8% | $152,909+66.9% |
| Participation rate | 87.5% | 84.8%+2.7pp | 82.5%+5.0pp | 82.5%+5.0pp |
| Annual return | 21.04% | 64.34%-43.3pp | 71.41%-50.4pp | 345.46%-324.4pp |
| Employer contribution / active EE | $4,433 | $5,263-15.8% | $4,736-6.4% | $4,764-6.9% |
| Participant deferral / active EE | $7,529 | $7,111+5.9% | $6,710+12.2% | $5,851+28.7% |
| Admin fee / account holder | $1,161 | $12,126-90.4% | $10,265-88.7% | $11,601-90.0% |