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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 | $428,746 | $102,696+317.5% | $86,235+397.2% | $139,487+207.4% |
| Participation rate | 85.7% | 74.5%+11.2pp | 69.0%+16.8pp | 80.3%+5.4pp |
| Annual return | 18.24% | 1925.91%-1907.7pp | 1170.03%-1151.8pp | 373.84%-355.6pp |
| Employer contribution / active EE | $2,520 | $3,034-16.9% | $2,381+5.8% | $4,755-47.0% |
| Participant deferral / active EE | $8,197 | $4,679+75.2% | $3,987+105.6% | $6,713+22.1% |
| Admin fee / account holder | $5,397 | $8,667-37.7% | $6,856-21.3% | $11,407-52.7% |