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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 | $253,613 | $157,304+61.2% | $141,197+79.6% | $152,909+65.9% |
| Participation rate | 83.3% | 84.8%-1.5pp | 82.5%+0.9pp | 82.5%+0.9pp |
| Annual return | 27.15% | 64.34%-37.2pp | 71.41%-44.3pp | 345.46%-318.3pp |
| Employer contribution / active EE | $4,094 | $5,263-22.2% | $4,736-13.6% | $4,764-14.1% |
| Participant deferral / active EE | $9,959 | $7,111+40.0% | $6,710+48.4% | $5,851+70.2% |
| Admin fee / account holder | $2,257 | $12,126-81.4% | $10,265-78.0% | $11,601-80.5% |