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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 | $445,126 | $144,130+208.8% | $117,860+277.7% | $147,585+201.6% |
| Participation rate | 75.0% | 83.4%-8.4pp | 79.7%-4.7pp | 82.8%-7.8pp |
| Annual return | 12.68% | 531.20%-518.5pp | 335.10%-322.4pp | 578.58%-565.9pp |
| Employer contribution / active EE | $4,500 | $4,897-8.1% | $3,786+18.8% | $4,876-7.7% |
| Participant deferral / active EE | $12,522 | $5,316+135.5% | $4,482+179.4% | $5,439+130.2% |
| Admin fee / account holder | $32,990 | $10,887+203.0% | $8,021+311.3% | $10,886+203.1% |