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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 | $369,381 | $106,280+247.6% | $96,538+282.6% | $139,487+164.8% |
| Participation rate | 81.8% | 77.8%+4.0pp | 74.3%+7.5pp | 80.3%+1.5pp |
| Annual return | 13.92% | 38.48%-24.6pp | 35.74%-21.8pp | 373.84%-359.9pp |
| Employer contribution / active EE | $16,109 | $4,107+292.2% | $3,740+330.7% | $4,755+238.8% |
| Participant deferral / active EE | $12,468 | $5,457+128.5% | $4,880+155.5% | $6,713+85.7% |
| Admin fee / account holder | $3,838 | $7,888-51.3% | $6,737-43.0% | $11,407-66.4% |