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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 | $359,100 | $183,592+95.6% | $155,574+130.8% | $145,877+146.2% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 10.08% | 61.37%-51.3pp | 64.87%-54.8pp | 551.28%-541.2pp |
| Employer contribution / active EE | $3,604 | $5,317-32.2% | $4,676-22.9% | $4,663-22.7% |
| Participant deferral / active EE | $10,244 | $6,466+58.4% | $5,629+82.0% | $6,691+53.1% |
| Admin fee / account holder | $2,607 | $19,316-86.5% | $15,914-83.6% | $13,402-80.5% |