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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 | $314,459 | $117,895+166.7% | $102,460+206.9% | $145,897+115.5% |
| Participation rate | 88.9% | 78.6%+10.3pp | 76.5%+12.4pp | 80.3%+8.6pp |
| Annual return | 17.65% | 31.92%-14.3pp | 29.47%-11.8pp | 552.29%-534.6pp |
| Employer contribution / active EE | $10,319 | $3,619+185.1% | $3,025+241.1% | $4,663+121.3% |
| Participant deferral / active EE | $15,989 | $5,736+178.7% | $5,056+216.2% | $6,689+139.0% |
| Admin fee / account holder | $1,283 | $13,353-90.4% | $9,460-86.4% | $13,390-90.4% |