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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 | $366,791 | $108,942+236.7% | $100,415+265.3% | $145,897+151.4% |
| Participation rate | 83.3% | 83.0%+0.4pp | 81.5%+1.8pp | 80.3%+3.0pp |
| Annual return | 11.64% | 58.27%-46.6pp | 49.47%-37.8pp | 552.29%-540.6pp |
| Employer contribution / active EE | $5,969 | $4,422+35.0% | $3,943+51.4% | $4,663+28.0% |
| Participant deferral / active EE | $19,959 | $8,461+135.9% | $8,091+146.7% | $6,689+198.4% |
| Admin fee / account holder | $24,307 | $9,702+150.5% | $7,906+207.4% | $13,390+81.5% |