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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 | $278,935 | $114,119+144.4% | $107,187+160.2% | $138,895+100.8% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 79.9%+7.6pp |
| Annual return | 14.03% | 273.21%-259.2pp | 204.55%-190.5pp | 145.39%-131.4pp |
| Employer contribution / active EE | $10,554 | $4,059+160.0% | $3,782+179.0% | $4,194+151.6% |
| Participant deferral / active EE | $10,032 | $5,538+81.2% | $5,096+96.9% | $6,396+56.8% |
| Admin fee / account holder | $1,812 | $10,024-81.9% | $9,162-80.2% | $12,562-85.6% |