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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 | $267,968 | $105,145+154.9% | $94,664+183.1% | $139,466+92.1% |
| Participation rate | 71.4% | 82.4%-10.9pp | 80.8%-9.4pp | 80.3%-8.9pp |
| Annual return | 16.66% | 38.09%-21.4pp | 156.84%-140.2pp | 373.66%-357.0pp |
| Employer contribution / active EE | $1,460 | $4,107-64.5% | $3,673-60.3% | $4,754-69.3% |
| Participant deferral / active EE | $5,748 | $7,599-24.4% | $7,417-22.5% | $6,712-14.4% |
| Admin fee / account holder | $40,290 | $8,972+349.1% | $7,222+457.9% | $11,409+253.2% |