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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 | $471,085 | $157,276+199.5% | $141,177+233.7% | $152,885+208.1% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 24.18% | 64.33%-40.2pp | 71.40%-47.2pp | 345.39%-321.2pp |
| Employer contribution / active EE | $4,495 | $5,262-14.6% | $4,736-5.1% | $4,763-5.6% |
| Participant deferral / active EE | $10,689 | $7,110+50.3% | $6,710+59.3% | $5,851+82.7% |
| Admin fee / account holder | $37,579 | $12,123+210.0% | $10,263+266.2% | $11,598+224.0% |