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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 | $250,499 | $129,737+93.1% | $119,126+110.3% | $154,746+61.9% |
| Participation rate | 75.0% | 78.9%-3.9pp | 75.8%-0.8pp | 80.7%-5.7pp |
| Annual return | 18.51% | 379.08%-360.6pp | 282.11%-263.6pp | 172.34%-153.8pp |
| Employer contribution / active EE | $2,207 | $4,375-49.6% | $4,034-45.3% | $4,379-49.6% |
| Participant deferral / active EE | $3,618 | $5,842-38.1% | $5,318-32.0% | $6,730-46.2% |
| Admin fee / account holder | $6,006 | $11,961-49.8% | $10,693-43.8% | $14,365-58.2% |