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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 | $387,888 | $175,259+121.3% | $149,723+159.1% | $139,487+178.1% |
| Participation rate | 71.4% | 83.4%-12.0pp | 78.8%-7.4pp | 80.3%-8.9pp |
| Annual return | 16.53% | 166.82%-150.3pp | 134.50%-118.0pp | 373.84%-357.3pp |
| Employer contribution / active EE | $2,032 | $5,478-62.9% | $4,821-57.9% | $4,755-57.3% |
| Participant deferral / active EE | $7,822 | $6,522+19.9% | $5,682+37.7% | $6,713+16.5% |
| Admin fee / account holder | $6,260 | $16,158-61.3% | $13,215-52.6% | $11,407-45.1% |