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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 | $292,424 | $162,821+79.6% | $133,978+118.3% | $158,982+83.9% |
| Participation rate | 91.7% | 83.2%+8.4pp | 79.8%+11.8pp | 82.0%+9.7pp |
| Annual return | 17.41% | 41.95%-24.5pp | 45.10%-27.7pp | 302.99%-285.6pp |
| Employer contribution / active EE | $18,119 | $4,976+264.1% | $3,919+362.4% | $4,763+280.4% |
| Participant deferral / active EE | $9,890 | $5,910+67.3% | $5,047+95.9% | $5,983+65.3% |
| Admin fee / account holder | $1,247 | $11,742-89.4% | $8,930-86.0% | $11,252-88.9% |