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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 | $379,908 | $183,539+107.0% | $155,556+144.2% | $145,897+160.4% |
| Participation rate | 78.6% | 82.7%-4.1pp | 78.2%+0.3pp | 80.3%-1.7pp |
| Annual return | 16.02% | 61.31%-45.3pp | 64.84%-48.8pp | 552.29%-536.3pp |
| Employer contribution / active EE | $7,362 | $5,315+38.5% | $4,675+57.5% | $4,663+57.9% |
| Participant deferral / active EE | $9,759 | $6,467+50.9% | $5,631+73.3% | $6,689+45.9% |
| Admin fee / account holder | $496 | $19,275-97.4% | $15,885-96.9% | $13,390-96.3% |