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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 | $405,162 | $103,038+293.2% | $90,324+348.6% | $152,909+165.0% |
| Participation rate | 90.9% | 75.9%+15.0pp | 73.3%+17.6pp | 82.5%+8.5pp |
| Annual return | 11.76% | 95.25%-83.5pp | 78.15%-66.4pp | 345.46%-333.7pp |
| Employer contribution / active EE | $4,528 | $3,141+44.2% | $2,856+58.6% | $4,764-5.0% |
| Participant deferral / active EE | $10,056 | $4,282+134.8% | $3,885+158.8% | $5,851+71.9% |
| Admin fee / account holder | $9,355 | $6,177+51.4% | $5,356+74.7% | $11,601-19.4% |