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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 | $289,822 | $154,228+87.9% | $145,433+99.3% | $137,256+111.2% |
| Participation rate | 71.4% | 83.8%-12.4pp | 82.1%-10.7pp | 80.0%-8.5pp |
| Annual return | 14.52% | 74.59%-60.1pp | 66.58%-52.1pp | 220.34%-205.8pp |
| Employer contribution / active EE | $2,116 | $4,804-55.9% | $4,554-53.5% | $4,156-49.1% |
| Participant deferral / active EE | $4,402 | $8,216-46.4% | $7,897-44.3% | $6,407-31.3% |
| Admin fee / account holder | $30,531 | $14,344+112.9% | $13,129+132.5% | $12,270+148.8% |