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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 | $453,084 | $208,088+117.7% | $186,193+143.3% | $154,746+192.8% |
| Participation rate | 75.0% | 80.0%-5.0pp | 77.1%-2.1pp | 80.7%-5.7pp |
| Annual return | 12.88% | 89.97%-77.1pp | 78.03%-65.2pp | 172.34%-159.5pp |
| Employer contribution / active EE | $4,709 | $4,340+8.5% | $3,918+20.2% | $4,379+7.5% |
| Participant deferral / active EE | $3,551 | $7,078-49.8% | $6,513-45.5% | $6,730-47.2% |
| Admin fee / account holder | $10,069 | $11,698-13.9% | $11,058-8.9% | $14,365-29.9% |