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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 | $300,392 | $125,778+138.8% | $114,563+162.2% | $154,746+94.1% |
| Participation rate | 85.7% | 75.2%+10.5pp | 72.9%+12.8pp | 80.7%+5.0pp |
| Annual return | 18.67% | 295.14%-276.5pp | 241.09%-222.4pp | 172.34%-153.7pp |
| Employer contribution / active EE | $10,470 | $2,806+273.2% | $2,592+303.9% | $4,379+139.1% |
| Participant deferral / active EE | $7,963 | $4,445+79.2% | $4,142+92.3% | $6,730+18.3% |
| Admin fee / account holder | $1,373 | $8,190-83.2% | $7,623-82.0% | $14,365-90.4% |