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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 | $347,304 | $97,125+257.6% | $86,233+302.8% | $137,256+153.0% |
| Participation rate | 90.9% | 74.2%+16.7pp | 69.0%+21.9pp | 80.0%+10.9pp |
| Annual return | 17.02% | 74.19%-57.2pp | 61.39%-44.4pp | 220.34%-203.3pp |
| Employer contribution / active EE | $8,067 | $2,841+183.9% | $2,504+222.1% | $4,156+94.1% |
| Participant deferral / active EE | $4,590 | $5,180-11.4% | $4,559+0.7% | $6,407-28.4% |
| Admin fee / account holder | $2,310 | $9,725-76.2% | $8,342-72.3% | $12,270-81.2% |