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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 | $279,543 | $175,231+59.5% | $149,696+86.7% | $139,466+100.4% |
| Participation rate | 76.9% | 83.4%-6.5pp | 78.8%-1.9pp | 80.3%-3.4pp |
| Annual return | 26.64% | 166.77%-140.1pp | 134.46%-107.8pp | 373.66%-347.0pp |
| Employer contribution / active EE | $2,138 | $5,478-61.0% | $4,821-55.6% | $4,754-55.0% |
| Participant deferral / active EE | $5,195 | $6,521-20.3% | $5,682-8.6% | $6,712-22.6% |
| Admin fee / account holder | $1,004 | $16,155-93.8% | $13,212-92.4% | $11,409-91.2% |