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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 | $255,778 | $183,592+39.3% | $155,574+64.4% | $145,877+75.3% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 13.93% | 61.37%-47.4pp | 64.87%-50.9pp | 551.28%-537.3pp |
| Employer contribution / active EE | $1,829 | $5,317-65.6% | $4,676-60.9% | $4,663-60.8% |
| Participant deferral / active EE | $3,930 | $6,466-39.2% | $5,629-30.2% | $6,691-41.3% |
| Admin fee / account holder | $1,403 | $19,316-92.7% | $15,914-91.2% | $13,402-89.5% |