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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 | $255,721 | $70,366+263.4% | $66,674+283.5% | $138,895+84.1% |
| Participation rate | 75.0% | 76.2%-1.2pp | 73.7%+1.3pp | 79.9%-4.9pp |
| Annual return | 15.22% | 386.41%-371.2pp | 321.24%-306.0pp | 145.39%-130.2pp |
| Employer contribution / active EE | $1,970 | $2,765-28.7% | $2,620-24.8% | $4,194-53.0% |
| Participant deferral / active EE | $16,646 | $4,374+280.5% | $4,084+307.6% | $6,396+160.2% |
| Admin fee / account holder | $6,015 | $5,262+14.3% | $5,098+18.0% | $12,562-52.1% |