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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 | $444,086 | $117,895+276.7% | $102,460+333.4% | $145,897+204.4% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 13.44% | 31.92%-18.5pp | 29.47%-16.0pp | 552.29%-538.8pp |
| Employer contribution / active EE | $4,273 | $3,619+18.1% | $3,025+41.3% | $4,663-8.3% |
| Participant deferral / active EE | $4,585 | $5,736-20.1% | $5,056-9.3% | $6,689-31.5% |
| Admin fee / account holder | $25,269 | $13,353+89.2% | $9,460+167.1% | $13,390+88.7% |