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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 | $365,578 | $166,268+119.9% | $165,100+121.4% | $145,897+150.6% |
| Participation rate | 85.7% | 82.0%+3.7pp | 78.6%+7.1pp | 80.3%+5.4pp |
| Annual return | 17.17% | 100.52%-83.3pp | 70.21%-53.0pp | 552.29%-535.1pp |
| Employer contribution / active EE | $4,311 | $5,284-18.4% | $4,348-0.8% | $4,663-7.5% |
| Participant deferral / active EE | $20,826 | $6,964+199.0% | $6,035+245.1% | $6,689+211.3% |
| Admin fee / account holder | $4,580 | $16,659-72.5% | $12,696-63.9% | $13,390-65.8% |