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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 | $290,076 | $185,883+56.1% | $170,043+70.6% | $139,466+108.0% |
| Participation rate | 85.7% | 87.8%-2.0pp | 87.0%-1.3pp | 80.3%+5.4pp |
| Annual return | 19.47% | 60.54%-41.1pp | 53.40%-33.9pp | 373.66%-354.2pp |
| Employer contribution / active EE | $11,247 | $7,596+48.1% | $6,790+65.6% | $4,754+136.6% |
| Participant deferral / active EE | $6,064 | $11,626-47.8% | $10,410-41.7% | $6,712-9.6% |
| Admin fee / account holder | $3,969 | $15,393-74.2% | $12,824-69.1% | $11,409-65.2% |