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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 | $274,889 | $148,623+85.0% | $135,974+102.2% | $139,466+97.1% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 13.88% | 79.30%-65.4pp | 68.30%-54.4pp | 373.66%-359.8pp |
| Employer contribution / active EE | $3,130 | $5,246-40.3% | $4,859-35.6% | $4,754-34.2% |
| Participant deferral / active EE | $22,174 | $8,103+173.7% | $7,760+185.7% | $6,712+230.4% |
| Admin fee / account holder | $4,939 | $12,406-60.2% | $10,767-54.1% | $11,409-56.7% |