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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 | $393,557 | $154,209+155.2% | $130,062+202.6% | $139,487+182.1% |
| Participation rate | 92.3% | 82.0%+10.3pp | 78.5%+13.8pp | 80.3%+12.0pp |
| Annual return | 18.78% | 32.52%-13.7pp | -137.37%+156.1pp | 373.84%-355.1pp |
| Employer contribution / active EE | $9,590 | $5,292+81.2% | $4,322+121.9% | $4,755+101.7% |
| Participant deferral / active EE | $11,315 | $6,709+68.6% | $5,821+94.4% | $6,713+68.6% |
| Admin fee / account holder | $8,563 | $13,988-38.8% | $10,601-19.2% | $11,407-24.9% |