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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 | $370,835 | $117,895+214.5% | $102,460+261.9% | $145,897+154.2% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 10.74% | 31.92%-21.2pp | 29.47%-18.7pp | 552.29%-541.6pp |
| Employer contribution / active EE | $6,542 | $3,619+80.8% | $3,025+116.3% | $4,663+40.3% |
| Participant deferral / active EE | $8,790 | $5,736+53.2% | $5,056+73.8% | $6,689+31.4% |
| Admin fee / account holder | $1,660 | $13,353-87.6% | $9,460-82.5% | $13,390-87.6% |