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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 | $303,920 | $162,136+87.4% | $152,301+99.6% | $154,746+96.4% |
| Participation rate | 75.0% | 84.1%-9.1pp | 82.4%-7.4pp | 80.7%-5.7pp |
| Annual return | 16.16% | 91.02%-74.9pp | 80.50%-64.3pp | 172.34%-156.2pp |
| Employer contribution / active EE | $13,398 | $4,890+174.0% | $4,624+189.7% | $4,379+206.0% |
| Participant deferral / active EE | $10,122 | $8,341+21.4% | $8,004+26.5% | $6,730+50.4% |
| Admin fee / account holder | $10,885 | $15,759-30.9% | $14,398-24.4% | $14,365-24.2% |