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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 | $390,955 | $176,794+121.1% | $146,647+166.6% | $167,553+133.3% |
| Participation rate | 91.7% | 83.6%+8.0pp | 80.1%+11.6pp | 82.1%+9.6pp |
| Annual return | 14.15% | 24.04%-9.9pp | 22.75%-8.6pp | 478.89%-464.7pp |
| Employer contribution / active EE | $8,571 | $5,161+66.1% | $4,137+107.2% | $4,840+77.1% |
| Participant deferral / active EE | $6,771 | $6,440+5.1% | $5,506+23.0% | $6,343+6.8% |
| Admin fee / account holder | $2,570 | $13,262-80.6% | $10,281-75.0% | $12,316-79.1% |