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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 | $380,049 | $183,516+107.1% | $155,534+144.4% | $145,884+160.5% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 19.45% | 61.43%-42.0pp | 64.92%-45.5pp | 551.85%-532.4pp |
| Employer contribution / active EE | $6,556 | $5,315+23.4% | $4,675+40.2% | $4,662+40.6% |
| Participant deferral / active EE | $6,850 | $6,467+5.9% | $5,630+21.7% | $6,690+2.4% |
| Admin fee / account holder | $1,394 | $19,293-92.8% | $15,900-91.2% | $13,392-89.6% |