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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 | $459,780 | $111,535+312.2% | $105,223+337.0% | $137,256+235.0% |
| Participation rate | 80.0% | 78.1%+1.9pp | 75.0%+5.0pp | 80.0%0pp |
| Annual return | 16.07% | 237.85%-221.8pp | 180.65%-164.6pp | 220.34%-204.3pp |
| Employer contribution / active EE | $3,062 | $3,939-22.3% | $3,689-17.0% | $4,156-26.3% |
| Participant deferral / active EE | $9,351 | $5,500+70.0% | $5,072+84.4% | $6,407+46.0% |
| Admin fee / account holder | $18,409 | $9,721+89.4% | $8,859+107.8% | $12,270+50.0% |