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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 | $427,723 | $90,486+372.7% | $78,676+443.7% | $273,972+56.1% |
| Participation rate | 90.9% | 76.5%+14.4pp | 73.6%+17.3pp | 83.0%+7.9pp |
| Annual return | 61.73% | 75.62%-13.9pp | 62.19%-0.5pp | 41.46%+20.3pp |
| Employer contribution / active EE | $15,462 | $3,175+387.0% | $2,850+442.5% | $4,869+217.6% |
| Participant deferral / active EE | $10,741 | $3,901+175.3% | $3,517+205.4% | $5,287+103.1% |
| Admin fee / account holder | $1,988 | $5,263-62.2% | $4,510-55.9% | $10,133-80.4% |