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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 | $370,366 | $111,535+232.1% | $105,223+252.0% | $137,256+169.8% |
| Participation rate | 80.0% | 78.1%+1.9pp | 75.0%+5.0pp | 80.0%0pp |
| Annual return | 15.02% | 237.85%-222.8pp | 180.65%-165.6pp | 220.34%-205.3pp |
| Employer contribution / active EE | $12,091 | $3,939+206.9% | $3,689+227.8% | $4,156+190.9% |
| Participant deferral / active EE | $16,769 | $5,500+204.9% | $5,072+230.6% | $6,407+161.7% |
| Admin fee / account holder | $1,430 | $9,721-85.3% | $8,859-83.9% | $12,270-88.3% |