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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 | $350,021 | $183,539+90.7% | $155,556+125.0% | $145,897+139.9% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 22.71% | 61.31%-38.6pp | 64.84%-42.1pp | 552.29%-529.6pp |
| Employer contribution / active EE | $1,350 | $5,315-74.6% | $4,675-71.1% | $4,663-71.1% |
| Participant deferral / active EE | $5,630 | $6,467-12.9% | $5,6310% | $6,689-15.8% |
| Admin fee / account holder | $1,205 | $19,275-93.7% | $15,885-92.4% | $13,390-91.0% |