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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 | $366,571 | $209,336+75.1% | $197,124+86.0% | $137,256+167.1% |
| Participation rate | 92.3% | 87.3%+5.0pp | 86.7%+5.6pp | 80.0%+12.3pp |
| Annual return | 14.77% | 48.09%-33.3pp | 44.34%-29.6pp | 220.34%-205.6pp |
| Employer contribution / active EE | $12,093 | $6,591+83.5% | $6,227+94.2% | $4,156+191.0% |
| Participant deferral / active EE | $10,936 | $9,614+13.7% | $9,135+19.7% | $6,407+70.7% |
| Admin fee / account holder | $8,105 | $17,308-53.2% | $16,298-50.3% | $12,270-33.9% |