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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 | $279,618 | $148,623+88.1% | $135,974+105.6% | $139,466+100.5% |
| Participation rate | 85.7% | 83.9%+1.9pp | 81.9%+3.8pp | 80.3%+5.4pp |
| Annual return | 21.24% | 79.30%-58.1pp | 68.30%-47.1pp | 373.66%-352.4pp |
| Employer contribution / active EE | $10,464 | $5,246+99.5% | $4,859+115.4% | $4,754+120.1% |
| Participant deferral / active EE | $11,959 | $8,103+47.6% | $7,760+54.1% | $6,712+78.2% |
| Admin fee / account holder | $1,679 | $12,406-86.5% | $10,767-84.4% | $11,409-85.3% |