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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 | $166,242+109.7% | $165,071+111.2% | $145,884+139.0% |
| Participation rate | 91.3% | 82.0%+9.3pp | 78.6%+12.7pp | 80.3%+11.0pp |
| Annual return | 14.59% | 100.44%-85.9pp | 70.17%-55.6pp | 551.85%-537.3pp |
| Employer contribution / active EE | $4,871 | $5,283-7.8% | $4,347+12.0% | $4,662+4.5% |
| Participant deferral / active EE | $10,109 | $6,964+45.2% | $6,035+67.5% | $6,690+51.1% |
| Admin fee / account holder | $85,328 | $16,658+412.2% | $12,695+572.1% | $13,392+537.2% |