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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 | $376,679 | $129,737+190.3% | $119,126+216.2% | $154,746+143.4% |
| Participation rate | 71.4% | 78.9%-7.4pp | 75.8%-4.3pp | 80.7%-9.3pp |
| Annual return | 19.24% | 379.08%-359.8pp | 282.11%-262.9pp | 172.34%-153.1pp |
| Employer contribution / active EE | $2,614 | $4,375-40.2% | $4,034-35.2% | $4,379-40.3% |
| Participant deferral / active EE | $13,997 | $5,842+139.6% | $5,318+163.2% | $6,730+108.0% |
| Admin fee / account holder | $908 | $11,961-92.4% | $10,693-91.5% | $14,365-93.7% |