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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 | $114,119+195.1% | $107,187+214.2% | $138,895+142.5% |
| Participation rate | 71.4% | 78.1%-6.6pp | 75.0%-3.6pp | 79.9%-8.5pp |
| Annual return | 17.55% | 273.21%-255.7pp | 204.55%-187.0pp | 145.39%-127.8pp |
| Employer contribution / active EE | $2,026 | $4,059-50.1% | $3,782-46.4% | $4,194-51.7% |
| Participant deferral / active EE | $3,581 | $5,538-35.3% | $5,096-29.7% | $6,396-44.0% |
| Admin fee / account holder | $5,370 | $10,024-46.4% | $9,162-41.4% | $12,562-57.3% |