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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 | $251,515 | $117,846+113.4% | $102,434+145.5% | $145,884+72.4% |
| Participation rate | 81.3% | 78.6%+2.6pp | 76.5%+4.7pp | 80.3%+0.9pp |
| Annual return | 15.31% | 31.90%-16.6pp | 29.46%-14.1pp | 551.85%-536.5pp |
| Employer contribution / active EE | $12,881 | $3,615+256.4% | $3,023+326.1% | $4,662+176.3% |
| Participant deferral / active EE | $9,004 | $5,733+57.0% | $5,055+78.1% | $6,690+34.6% |
| Admin fee / account holder | $15,033 | $13,356+12.6% | $9,462+58.9% | $13,392+12.3% |