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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 | $290,918 | $134,817+115.8% | $123,973+134.7% | $155,188+87.5% |
| Participation rate | 71.4% | 79.4%-8.0pp | 76.7%-5.2pp | 80.8%-9.4pp |
| Annual return | 15.34% | 515.49%-500.1pp | 388.13%-372.8pp | 148.84%-133.5pp |
| Employer contribution / active EE | $2,867 | $4,425-35.2% | $4,126-30.5% | $4,248-32.5% |
| Participant deferral / active EE | $4,157 | $5,706-27.1% | $5,247-20.8% | $6,531-36.3% |
| Admin fee / account holder | $13,981 | $13,245+5.6% | $11,799+18.5% | $14,480-3.4% |