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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 | $333,484 | $111,535+199.0% | $105,223+216.9% | $137,256+143.0% |
| Participation rate | 80.0% | 78.1%+1.9pp | 75.0%+5.0pp | 80.0%0pp |
| Annual return | 15.30% | 237.85%-222.6pp | 180.65%-165.4pp | 220.34%-205.0pp |
| Employer contribution / active EE | $2,409 | $3,939-38.8% | $3,689-34.7% | $4,156-42.0% |
| Participant deferral / active EE | $15,359 | $5,500+179.3% | $5,072+202.8% | $6,407+139.7% |
| Admin fee / account holder | $2,423 | $9,721-75.1% | $8,859-72.6% | $12,270-80.3% |