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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 | $314,987 | $209,425+50.4% | $178,499+76.5% | $158,966+98.1% |
| Participation rate | 72.7% | 86.4%-13.6pp | 81.9%-9.2pp | 82.0%-9.2pp |
| Annual return | 21.28% | 188.80%-167.5pp | 151.10%-129.8pp | 302.95%-281.7pp |
| Employer contribution / active EE | $1,742 | $5,707-69.5% | $5,011-65.2% | $4,762-63.4% |
| Participant deferral / active EE | $5,538 | $5,955-7.0% | $5,202+6.5% | $5,983-7.4% |
| Admin fee / account holder | $1,341 | $17,078-92.1% | $13,986-90.4% | $11,250-88.1% |