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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 | $385,978 | $167,522+130.4% | $151,639+154.5% | $134,532+186.9% |
| Participation rate | 78.6% | 88.4%-9.8pp | 87.5%-8.9pp | 81.2%-2.7pp |
| Annual return | -3.47% | 7.81%-11.3pp | 3.34%-6.8pp | 418.27%-421.7pp |
| Employer contribution / active EE | $16,328 | $6,828+139.1% | $6,165+164.9% | $4,741+244.4% |
| Participant deferral / active EE | $14,376 | $8,986+60.0% | $8,363+71.9% | $6,401+124.6% |
| Admin fee / account holder | $2,143 | $13,780-84.4% | $11,613-81.5% | $11,429-81.2% |