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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 | $302,803 | $227,291+33.2% | $214,702+41.0% | $155,188+95.1% |
| Participation rate | 73.9% | 88.0%-14.1pp | 87.5%-13.6pp | 80.8%-6.9pp |
| Annual return | 21.75% | 60.08%-38.3pp | 54.55%-32.8pp | 148.84%-127.1pp |
| Employer contribution / active EE | $0 | $6,772-100.0% | $6,461-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $13,487 | $9,582+40.8% | $9,147+47.5% | $6,531+106.5% |
| Admin fee / account holder | $3,304 | $20,413-83.8% | $19,830-83.3% | $14,480-77.2% |