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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 | $117,846+214.7% | $102,434+262.0% | $145,884+154.2% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 10.74% | 31.90%-21.2pp | 29.46%-18.7pp | 551.85%-541.1pp |
| Employer contribution / active EE | $6,542 | $3,615+81.0% | $3,023+116.4% | $4,662+40.3% |
| Participant deferral / active EE | $8,790 | $5,733+53.3% | $5,055+73.9% | $6,690+31.4% |
| Admin fee / account holder | $1,660 | $13,356-87.6% | $9,462-82.5% | $13,392-87.6% |