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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 | $449,744 | $183,592+145.0% | $155,574+189.1% | $145,877+208.3% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 18.49% | 61.37%-42.9pp | 64.87%-46.4pp | 551.28%-532.8pp |
| Employer contribution / active EE | $8,260 | $5,317+55.4% | $4,676+76.7% | $4,663+77.1% |
| Participant deferral / active EE | $11,268 | $6,466+74.3% | $5,629+100.2% | $6,691+68.4% |
| Admin fee / account holder | $11,284 | $19,316-41.6% | $15,914-29.1% | $13,402-15.8% |