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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 | $272,812 | $148,623+83.6% | $135,974+100.6% | $139,466+95.6% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 20.72% | 79.30%-58.6pp | 68.30%-47.6pp | 373.66%-352.9pp |
| Employer contribution / active EE | $2,184 | $5,246-58.4% | $4,859-55.1% | $4,754-54.1% |
| Participant deferral / active EE | $6,422 | $8,103-20.7% | $7,760-17.2% | $6,712-4.3% |
| Admin fee / account holder | $8,237 | $12,406-33.6% | $10,767-23.5% | $11,409-27.8% |