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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 | $441,962 | $185,312+138.5% | $161,489+173.7% | $154,746+185.6% |
| Participation rate | 83.3% | 82.5%+0.9pp | 78.7%+4.6pp | 80.7%+2.6pp |
| Annual return | 16.24% | 103.84%-87.6pp | 89.72%-73.5pp | 172.34%-156.1pp |
| Employer contribution / active EE | $14,390 | $4,769+201.7% | $4,268+237.1% | $4,379+228.6% |
| Participant deferral / active EE | $7,793 | $6,350+22.7% | $5,630+38.4% | $6,730+15.8% |
| Admin fee / account holder | $12,531 | $18,654-32.8% | $16,006-21.7% | $14,365-12.8% |