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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 | $414,354 | $180,462+129.6% | $154,111+168.9% | $135,379+206.1% |
| Participation rate | 86.7% | 87.4%-0.8pp | 83.0%+3.6pp | 82.6%+4.0pp |
| Annual return | 18.06% | 888.17%-870.1pp | 735.18%-717.1pp | 519.79%-501.7pp |
| Employer contribution / active EE | $4,052 | $6,036-32.9% | $5,298-23.5% | $4,779-15.2% |
| Participant deferral / active EE | $4,547 | $5,806-21.7% | $5,081-10.5% | $5,609-18.9% |
| Admin fee / account holder | $705 | $16,145-95.6% | $13,411-94.7% | $10,828-93.5% |