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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 | $299,667 | $108,911+175.2% | $100,392+198.5% | $145,884+105.4% |
| Participation rate | 90.0% | 83.0%+7.0pp | 81.5%+8.5pp | 80.3%+9.7pp |
| Annual return | 12.13% | 58.23%-46.1pp | 49.45%-37.3pp | 551.85%-539.7pp |
| Employer contribution / active EE | $10,749 | $4,420+143.2% | $3,941+172.7% | $4,662+130.5% |
| Participant deferral / active EE | $6,878 | $8,459-18.7% | $8,090-15.0% | $6,690+2.8% |
| Admin fee / account holder | $5,086 | $9,698-47.6% | $7,904-35.7% | $13,392-62.0% |