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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 | $134,817+106.9% | $123,973+125.0% | $155,188+79.7% |
| Participation rate | 87.5% | 79.4%+8.1pp | 76.7%+10.8pp | 80.8%+6.7pp |
| Annual return | 14.03% | 515.49%-501.5pp | 388.13%-374.1pp | 148.84%-134.8pp |
| Employer contribution / active EE | $10,554 | $4,425+138.5% | $4,126+155.8% | $4,248+148.5% |
| Participant deferral / active EE | $10,032 | $5,706+75.8% | $5,247+91.2% | $6,531+53.6% |
| Admin fee / account holder | $1,812 | $13,245-86.3% | $11,799-84.6% | $14,480-87.5% |