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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 | $347,799 | $148,623+134.0% | $135,974+155.8% | $139,466+149.4% |
| Participation rate | 75.0% | 83.9%-8.9pp | 81.9%-6.9pp | 80.3%-5.3pp |
| Annual return | 13.98% | 79.30%-65.3pp | 68.30%-54.3pp | 373.66%-359.7pp |
| Employer contribution / active EE | $20,217 | $5,246+285.4% | $4,859+316.1% | $4,754+325.3% |
| Participant deferral / active EE | $11,926 | $8,103+47.2% | $7,760+53.7% | $6,712+77.7% |
| Admin fee / account holder | $4,934 | $12,406-60.2% | $10,767-54.2% | $11,409-56.8% |