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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 | $374,667 | $185,312+102.2% | $161,489+132.0% | $154,746+142.1% |
| Participation rate | 83.3% | 82.5%+0.9pp | 78.7%+4.6pp | 80.7%+2.6pp |
| Annual return | 14.88% | 103.84%-89.0pp | 89.72%-74.8pp | 172.34%-157.5pp |
| Employer contribution / active EE | $4,165 | $4,769-12.7% | $4,268-2.4% | $4,379-4.9% |
| Participant deferral / active EE | $10,906 | $6,350+71.8% | $5,630+93.7% | $6,730+62.0% |
| Admin fee / account holder | $11,510 | $18,654-38.3% | $16,006-28.1% | $14,365-19.9% |