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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 | $183,627+124.4% | $155,602+164.8% | $145,978+182.2% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 12.08% | 61.32%-49.2pp | 64.81%-52.7pp | 550.52%-538.4pp |
| Employer contribution / active EE | $1,052 | $5,316-80.2% | $4,675-77.5% | $4,662-77.4% |
| Participant deferral / active EE | $1,900 | $6,466-70.6% | $5,629-66.2% | $6,690-71.6% |
| Admin fee / account holder | $1,271 | $19,327-93.4% | $15,923-92.0% | $13,400-90.5% |