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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 | $439,642 | $108,942+303.6% | $100,415+337.8% | $145,897+201.3% |
| Participation rate | 80.0% | 83.0%-3.0pp | 81.5%-1.5pp | 80.3%-0.3pp |
| Annual return | 11.88% | 58.27%-46.4pp | 49.47%-37.6pp | 552.29%-540.4pp |
| Employer contribution / active EE | $1,336 | $4,422-69.8% | $3,943-66.1% | $4,663-71.3% |
| Participant deferral / active EE | $18,802 | $8,461+122.2% | $8,091+132.4% | $6,689+181.1% |
| Admin fee / account holder | $6,139 | $9,702-36.7% | $7,906-22.3% | $13,390-54.2% |