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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 | $290,585 | $175,259+65.8% | $149,723+94.1% | $139,487+108.3% |
| Participation rate | 72.7% | 83.4%-10.7pp | 78.8%-6.1pp | 80.3%-7.6pp |
| Annual return | 15.20% | 166.82%-151.6pp | 134.50%-119.3pp | 373.84%-358.6pp |
| Employer contribution / active EE | $3,564 | $5,478-35.0% | $4,821-26.1% | $4,755-25.1% |
| Participant deferral / active EE | $4,169 | $6,522-36.1% | $5,682-26.6% | $6,713-37.9% |
| Admin fee / account holder | $449 | $16,158-97.2% | $13,215-96.6% | $11,407-96.1% |