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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 | $266,102 | $165,381+60.9% | $149,730+77.7% | $158,966+67.4% |
| Participation rate | 80.0% | 84.6%-4.6pp | 82.5%-2.5pp | 82.0%-2.0pp |
| Annual return | 13.06% | 348.29%-335.2pp | 276.70%-263.6pp | 302.95%-289.9pp |
| Employer contribution / active EE | $1,671 | $5,104-67.3% | $4,645-64.0% | $4,762-64.9% |
| Participant deferral / active EE | $6,390 | $7,182-11.0% | $6,843-6.6% | $5,983+6.8% |
| Admin fee / account holder | $2,644 | $10,809-75.5% | $9,310-71.6% | $11,250-76.5% |