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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 | $367,865 | $114,013+222.7% | $103,693+254.8% | $155,188+137.0% |
| Participation rate | 94.1% | 75.2%+18.9pp | 72.6%+21.5pp | 80.8%+13.3pp |
| Annual return | 15.15% | 49.31%-34.2pp | 47.61%-32.5pp | 148.84%-133.7pp |
| Employer contribution / active EE | $5,884 | $3,131+87.9% | $2,920+101.5% | $4,248+38.5% |
| Participant deferral / active EE | $14,681 | $4,970+195.4% | $4,579+220.6% | $6,531+124.8% |
| Admin fee / account holder | $81,216 | $8,407+866.1% | $7,858+933.5% | $14,480+460.9% |