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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 | $305,734 | $100,262+204.9% | $81,370+275.7% | $145,897+109.6% |
| Participation rate | 81.8% | 74.3%+7.5pp | 69.5%+12.3pp | 80.3%+1.5pp |
| Annual return | 12.39% | 34.52%-22.1pp | 24.85%-12.5pp | 552.29%-539.9pp |
| Employer contribution / active EE | $9,013 | $2,979+202.6% | $2,464+265.8% | $4,663+93.3% |
| Participant deferral / active EE | $5,098 | $4,612+10.5% | $3,885+31.2% | $6,689-23.8% |
| Admin fee / account holder | $1,576 | $8,163-80.7% | $5,749-72.6% | $13,390-88.2% |