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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 | $348,666 | $166,131+109.9% | $164,975+111.3% | $145,877+139.0% |
| Participation rate | 91.3% | 82.0%+9.3pp | 78.6%+12.7pp | 80.3%+11.0pp |
| Annual return | 14.59% | 100.37%-85.8pp | 70.12%-55.5pp | 551.28%-536.7pp |
| Employer contribution / active EE | $4,871 | $5,276-7.7% | $4,343+12.2% | $4,663+4.5% |
| Participant deferral / active EE | $10,109 | $6,962+45.2% | $6,033+67.6% | $6,691+51.1% |
| Admin fee / account holder | $85,328 | $16,648+412.5% | $12,688+572.5% | $13,402+536.7% |