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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 | $275,793 | $139,948+97.1% | $121,663+126.7% | $154,746+78.2% |
| Participation rate | 91.3% | 78.0%+13.3pp | 74.5%+16.8pp | 80.7%+10.6pp |
| Annual return | 10.55% | 230.52%-220.0pp | 147.54%-137.0pp | 172.34%-161.8pp |
| Employer contribution / active EE | $1,345 | $3,521-61.8% | $3,020-55.5% | $4,379-69.3% |
| Participant deferral / active EE | $5,903 | $5,629+4.9% | $4,887+20.8% | $6,730-12.3% |
| Admin fee / account holder | $4,606 | $17,321-73.4% | $14,289-67.8% | $14,365-67.9% |