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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 | $401,789 | $172,111+133.4% | $150,298+167.3% | $137,256+192.7% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 14.79% | 69.37%-54.6pp | 62.79%-48.0pp | 220.34%-205.5pp |
| Employer contribution / active EE | $8,304 | $4,636+79.1% | $4,154+99.9% | $4,156+99.8% |
| Participant deferral / active EE | $4,357 | $6,166-29.3% | $5,453-20.1% | $6,407-32.0% |
| Admin fee / account holder | $669 | $16,471-95.9% | $14,116-95.3% | $12,270-94.5% |