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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 | $315,657 | $162,821+93.9% | $133,978+135.6% | $158,982+98.5% |
| Participation rate | 81.8% | 83.2%-1.4pp | 79.8%+2.0pp | 82.0%-0.1pp |
| Annual return | 10.61% | 41.95%-31.3pp | 45.10%-34.5pp | 302.99%-292.4pp |
| Employer contribution / active EE | $9,005 | $4,976+81.0% | $3,919+129.8% | $4,763+89.1% |
| Participant deferral / active EE | $10,389 | $5,910+75.8% | $5,047+105.8% | $5,983+73.6% |
| Admin fee / account holder | $513 | $11,742-95.6% | $8,930-94.3% | $11,252-95.4% |