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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 | $387,201 | $227,633+70.1% | $189,597+104.2% | $167,553+131.1% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.4%-3.4pp | 82.1%-7.1pp |
| Annual return | 8.33% | 78.45%-70.1pp | 64.20%-55.9pp | 478.89%-470.6pp |
| Employer contribution / active EE | $14,493 | $5,317+172.6% | $4,412+228.5% | $4,840+199.5% |
| Participant deferral / active EE | $3,243 | $7,003-53.7% | $6,174-47.5% | $6,343-48.9% |
| Admin fee / account holder | $18,730 | $11,879+57.7% | $9,807+91.0% | $12,316+52.1% |