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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 | $404,473 | $174,379+132.0% | $152,093+165.9% | $138,895+191.2% |
| Participation rate | 83.3% | 81.6%+1.7pp | 77.8%+5.6pp | 79.9%+3.4pp |
| Annual return | 102.38% | 74.86%+27.5pp | 66.36%+36.0pp | 145.39%-43.0pp |
| Employer contribution / active EE | $11,291 | $4,652+142.7% | $4,175+170.5% | $4,194+169.2% |
| Participant deferral / active EE | $4,342 | $6,159-29.5% | $5,451-20.4% | $6,396-32.1% |
| Admin fee / account holder | $2,261 | $16,880-86.6% | $14,497-84.4% | $12,562-82.0% |