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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 | $132,634+107.9% | $115,768+138.2% | $137,256+100.9% |
| Participation rate | 91.3% | 77.9%+13.4pp | 74.4%+16.9pp | 80.0%+11.3pp |
| Annual return | 10.55% | 160.70%-150.2pp | 100.46%-89.9pp | 220.34%-209.8pp |
| Employer contribution / active EE | $1,345 | $3,360-60.0% | $2,940-54.3% | $4,156-67.6% |
| Participant deferral / active EE | $5,903 | $5,619+5.1% | $4,917+20.1% | $6,407-7.9% |
| Admin fee / account holder | $4,606 | $15,028-69.4% | $12,439-63.0% | $12,270-62.5% |