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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 | $275,002 | $183,627+49.8% | $155,602+76.7% | $145,978+88.4% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 25.03% | 61.32%-36.3pp | 64.81%-39.8pp | 550.52%-525.5pp |
| Employer contribution / active EE | $8,495 | $5,316+59.8% | $4,675+81.7% | $4,662+82.2% |
| Participant deferral / active EE | $7,643 | $6,466+18.2% | $5,629+35.8% | $6,690+14.3% |
| Admin fee / account holder | $2,734 | $19,327-85.9% | $15,923-82.8% | $13,400-79.6% |