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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 | $225,673+108.3% | $203,872+130.6% | $155,188+202.9% |
| Participation rate | 75.0% | 80.3%-5.3pp | 77.8%-2.8pp | 80.8%-5.8pp |
| Annual return | 16.13% | 95.91%-79.8pp | 85.11%-69.0pp | 148.84%-132.7pp |
| Employer contribution / active EE | $1,979 | $4,099-51.7% | $3,757-47.3% | $4,248-53.4% |
| Participant deferral / active EE | $10,517 | $6,893+52.6% | $6,388+64.6% | $6,531+61.0% |
| Admin fee / account holder | $12,163 | $12,327-1.3% | $11,730+3.7% | $14,480-16.0% |