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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 | $345,178 | $129,737+166.1% | $119,126+189.8% | $154,746+123.1% |
| Participation rate | 87.5% | 78.9%+8.6pp | 75.8%+11.7pp | 80.7%+6.8pp |
| Annual return | 17.41% | 379.08%-361.7pp | 282.11%-264.7pp | 172.34%-154.9pp |
| Employer contribution / active EE | $8,753 | $4,375+100.1% | $4,034+117.0% | $4,379+99.9% |
| Participant deferral / active EE | $14,174 | $5,842+142.6% | $5,318+166.5% | $6,730+110.6% |
| Admin fee / account holder | $46,897 | $11,961+292.1% | $10,693+338.6% | $14,365+226.5% |