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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 | $129,737+254.4% | $119,126+286.0% | $154,746+197.1% |
| Participation rate | 80.0% | 78.9%+1.1pp | 75.8%+4.2pp | 80.7%-0.7pp |
| Annual return | 16.07% | 379.08%-363.0pp | 282.11%-266.0pp | 172.34%-156.3pp |
| Employer contribution / active EE | $3,062 | $4,375-30.0% | $4,034-24.1% | $4,379-30.1% |
| Participant deferral / active EE | $9,351 | $5,842+60.1% | $5,318+75.8% | $6,730+38.9% |
| Admin fee / account holder | $18,409 | $11,961+53.9% | $10,693+72.2% | $14,365+28.1% |