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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 | $108,911+236.8% | $100,392+265.4% | $145,884+151.4% |
| Participation rate | 83.3% | 83.0%+0.4pp | 81.5%+1.8pp | 80.3%+3.0pp |
| Annual return | 11.64% | 58.23%-46.6pp | 49.45%-37.8pp | 551.85%-540.2pp |
| Employer contribution / active EE | $5,969 | $4,420+35.0% | $3,941+51.4% | $4,662+28.0% |
| Participant deferral / active EE | $19,959 | $8,459+136.0% | $8,090+146.7% | $6,690+198.4% |
| Admin fee / account holder | $24,307 | $9,698+150.6% | $7,904+207.5% | $13,392+81.5% |