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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 | $470,118 | $208,088+125.9% | $186,193+152.5% | $154,746+203.8% |
| Participation rate | 75.0% | 80.0%-5.0pp | 77.1%-2.1pp | 80.7%-5.7pp |
| Annual return | 16.13% | 89.97%-73.8pp | 78.03%-61.9pp | 172.34%-156.2pp |
| Employer contribution / active EE | $1,979 | $4,340-54.4% | $3,918-49.5% | $4,379-54.8% |
| Participant deferral / active EE | $10,517 | $7,078+48.6% | $6,513+61.5% | $6,730+56.3% |
| Admin fee / account holder | $12,163 | $11,698+4.0% | $11,058+10.0% | $14,365-15.3% |