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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 | $302,443 | $129,737+133.1% | $119,126+153.9% | $154,746+95.4% |
| Participation rate | 83.3% | 78.9%+4.5pp | 75.8%+7.6pp | 80.7%+2.6pp |
| Annual return | 19.60% | 379.08%-359.5pp | 282.11%-262.5pp | 172.34%-152.7pp |
| Employer contribution / active EE | $2,875 | $4,375-34.3% | $4,034-28.7% | $4,379-34.3% |
| Participant deferral / active EE | $14,404 | $5,842+146.6% | $5,318+170.9% | $6,730+114.0% |
| Admin fee / account holder | $3,018 | $11,961-74.8% | $10,693-71.8% | $14,365-79.0% |