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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 | $411,972 | $183,592+124.4% | $155,567+164.8% | $145,959+182.3% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 12.08% | 61.24%-49.2pp | 64.74%-52.7pp | 561.95%-549.9pp |
| Employer contribution / active EE | $1,052 | $5,315-80.2% | $4,674-77.5% | $4,661-77.4% |
| Participant deferral / active EE | $1,900 | $6,464-70.6% | $5,628-66.2% | $6,689-71.6% |
| Admin fee / account holder | $1,271 | $19,318-93.4% | $15,916-92.0% | $13,398-90.5% |