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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 | $111,535+160.8% | $105,223+176.5% | $137,256+112.0% |
| Participation rate | 71.4% | 78.1%-6.7pp | 75.0%-3.6pp | 80.0%-8.5pp |
| Annual return | 15.34% | 237.85%-222.5pp | 180.65%-165.3pp | 220.34%-205.0pp |
| Employer contribution / active EE | $2,867 | $3,939-27.2% | $3,689-22.3% | $4,156-31.0% |
| Participant deferral / active EE | $4,157 | $5,500-24.4% | $5,072-18.0% | $6,407-35.1% |
| Admin fee / account holder | $13,981 | $9,721+43.8% | $8,859+57.8% | $12,270+13.9% |