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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 | $367,303 | $176,794+107.8% | $146,647+150.5% | $167,553+119.2% |
| Participation rate | 80.0% | 83.6%-3.6pp | 80.1%-0.1pp | 82.1%-2.1pp |
| Annual return | 12.78% | 24.04%-11.3pp | 22.75%-10.0pp | 478.89%-466.1pp |
| Employer contribution / active EE | $3,338 | $5,161-35.3% | $4,137-19.3% | $4,840-31.0% |
| Participant deferral / active EE | $13,464 | $6,440+109.0% | $5,506+144.5% | $6,343+112.3% |
| Admin fee / account holder | $21,512 | $13,262+62.2% | $10,281+109.3% | $12,316+74.7% |