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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 | $223,823+35.3% | $211,142+43.4% | $154,746+95.7% |
| Participation rate | 73.9% | 87.9%-13.9pp | 87.3%-13.4pp | 80.7%-6.8pp |
| Annual return | 21.75% | 50.39%-28.6pp | 46.84%-25.1pp | 172.34%-150.6pp |
| Employer contribution / active EE | $0 | $6,787-100.0% | $6,442-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $13,487 | $9,750+38.3% | $9,284+45.3% | $6,730+100.4% |
| Admin fee / account holder | $3,304 | $19,707-83.2% | $19,076-82.7% | $14,365-77.0% |