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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 | $183,516+39.4% | $155,534+64.5% | $145,884+75.3% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 13.93% | 61.43%-47.5pp | 64.92%-51.0pp | 551.85%-537.9pp |
| Employer contribution / active EE | $1,829 | $5,315-65.6% | $4,675-60.9% | $4,662-60.8% |
| Participant deferral / active EE | $3,930 | $6,467-39.2% | $5,630-30.2% | $6,690-41.2% |
| Admin fee / account holder | $1,403 | $19,293-92.7% | $15,900-91.2% | $13,392-89.5% |