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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 | $300,627 | $162,136+85.4% | $152,301+97.4% | $154,746+94.3% |
| Participation rate | 71.4% | 84.1%-12.7pp | 82.4%-11.0pp | 80.7%-9.3pp |
| Annual return | 12.48% | 91.02%-78.5pp | 80.50%-68.0pp | 172.34%-159.9pp |
| Employer contribution / active EE | $10,447 | $4,890+113.6% | $4,624+125.9% | $4,379+138.6% |
| Participant deferral / active EE | $6,987 | $8,341-16.2% | $8,004-12.7% | $6,730+3.8% |
| Admin fee / account holder | $14,309 | $15,759-9.2% | $14,398-0.6% | $14,365-0.4% |