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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 | $396,217 | $172,111+130.2% | $150,298+163.6% | $137,256+188.7% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 21.43% | 69.37%-47.9pp | 62.79%-41.4pp | 220.34%-198.9pp |
| Employer contribution / active EE | $2,109 | $4,636-54.5% | $4,154-49.2% | $4,156-49.3% |
| Participant deferral / active EE | $6,103 | $6,166-1.0% | $5,453+11.9% | $6,407-4.7% |
| Admin fee / account holder | $6,240 | $16,471-62.1% | $14,116-55.8% | $12,270-49.1% |