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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 | $345,769 | $77,638+345.4% | $156,551+120.9% | $62,881+449.9% |
| Participation rate | 73.3% | 71.2%+2.1pp | 84.0%-10.7pp | 69.3%+4.0pp |
| Annual return | 4.94% | 50.33%-45.4pp | 32.23%-27.3pp | 20.14%-15.2pp |
| Employer contribution / active EE | $17,756 | $3,444+415.6% | $5,501+222.8% | $2,281+678.4% |
| Participant deferral / active EE | $11,312 | $3,046+271.4% | $4,871+132.2% | $3,203+253.2% |
| Admin fee / account holder | $9,951 | $5,561+78.9% | $13,028-23.6% | $4,296+131.6% |