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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 | $431,689 | $166,268+159.6% | $165,100+161.5% | $145,897+195.9% |
| Participation rate | 72.2% | 82.0%-9.8pp | 78.6%-6.4pp | 80.3%-8.1pp |
| Annual return | 12.08% | 100.52%-88.4pp | 70.21%-58.1pp | 552.29%-540.2pp |
| Employer contribution / active EE | $8,172 | $5,284+54.7% | $4,348+87.9% | $4,663+75.3% |
| Participant deferral / active EE | $9,025 | $6,964+29.6% | $6,035+49.5% | $6,689+34.9% |
| Admin fee / account holder | $533 | $16,659-96.8% | $12,696-95.8% | $13,390-96.0% |