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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 | $471,737 | $157,270+200.0% | $141,173+234.2% | $152,870+208.6% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.4%+3.3pp |
| Annual return | 36.75% | 64.33%-27.6pp | 71.40%-34.6pp | 345.34%-308.6pp |
| Employer contribution / active EE | $14,758 | $5,261+180.5% | $4,735+211.6% | $4,763+209.8% |
| Participant deferral / active EE | $12,595 | $7,110+77.1% | $6,710+87.7% | $5,850+115.3% |
| Admin fee / account holder | $19,090 | $12,121+57.5% | $10,262+86.0% | $11,597+64.6% |