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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 | $312,948 | $100,073+212.7% | $85,126+267.6% | $145,877+114.5% |
| Participation rate | 90.9% | 74.1%+16.8pp | 67.5%+23.4pp | 80.3%+10.6pp |
| Annual return | 16.22% | 84.11%-67.9pp | 66.63%-50.4pp | 551.28%-535.1pp |
| Employer contribution / active EE | $7,854 | $3,236+142.7% | $2,731+187.6% | $4,663+68.4% |
| Participant deferral / active EE | $4,263 | $5,294-19.5% | $4,523-5.8% | $6,691-36.3% |
| Admin fee / account holder | $2,362 | $7,261-67.5% | $6,160-61.7% | $13,402-82.4% |