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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 | $272,571 | $185,883+46.6% | $170,043+60.3% | $139,466+95.4% |
| Participation rate | 80.0% | 87.8%-7.8pp | 87.0%-7.0pp | 80.3%-0.3pp |
| Annual return | 15.68% | 60.54%-44.9pp | 53.40%-37.7pp | 373.66%-358.0pp |
| Employer contribution / active EE | $10,535 | $7,596+38.7% | $6,790+55.2% | $4,754+121.6% |
| Participant deferral / active EE | $10,266 | $11,626-11.7% | $10,410-1.4% | $6,712+52.9% |
| Admin fee / account holder | $9,090 | $15,393-40.9% | $12,824-29.1% | $11,409-20.3% |