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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 | $336,820 | $129,737+159.6% | $119,126+182.7% | $154,746+117.7% |
| Participation rate | 71.4% | 78.9%-7.4pp | 75.8%-4.3pp | 80.7%-9.3pp |
| Annual return | 17.55% | 379.08%-361.5pp | 282.11%-264.6pp | 172.34%-154.8pp |
| Employer contribution / active EE | $2,026 | $4,375-53.7% | $4,034-49.8% | $4,379-53.7% |
| Participant deferral / active EE | $3,581 | $5,842-38.7% | $5,318-32.7% | $6,730-46.8% |
| Admin fee / account holder | $5,370 | $11,961-55.1% | $10,693-49.8% | $14,365-62.6% |