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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 | $319,638 | $110,410+189.5% | $102,437+212.0% | $145,897+119.1% |
| Participation rate | 75.0% | 77.9%-2.9pp | 74.5%+0.5pp | 80.3%-5.3pp |
| Annual return | 32.42% | 24.85%+7.6pp | 24.95%+7.5pp | 552.29%-519.9pp |
| Employer contribution / active EE | $12,893 | $4,217+205.7% | $3,871+233.1% | $4,663+176.5% |
| Participant deferral / active EE | $13,135 | $5,622+133.7% | $5,060+159.6% | $6,689+96.4% |
| Admin fee / account holder | $68,864 | $9,745+606.7% | $8,388+721.0% | $13,390+414.3% |