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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 | $157,304+199.9% | $141,197+234.1% | $152,909+208.5% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 36.75% | 64.34%-27.6pp | 71.41%-34.7pp | 345.46%-308.7pp |
| Employer contribution / active EE | $14,758 | $5,263+180.4% | $4,736+211.6% | $4,764+209.8% |
| Participant deferral / active EE | $12,595 | $7,111+77.1% | $6,710+87.7% | $5,851+115.2% |
| Admin fee / account holder | $19,090 | $12,126+57.4% | $10,265+86.0% | $11,601+64.6% |