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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 | $300,320 | $117,895+154.7% | $102,460+193.1% | $145,897+105.8% |
| Participation rate | 90.0% | 78.6%+11.4pp | 76.5%+13.5pp | 80.3%+9.7pp |
| Annual return | 9.44% | 31.92%-22.5pp | 29.47%-20.0pp | 552.29%-542.8pp |
| Employer contribution / active EE | $1,562 | $3,619-56.8% | $3,025-48.4% | $4,663-66.5% |
| Participant deferral / active EE | $6,574 | $5,736+14.6% | $5,056+30.0% | $6,689-1.7% |
| Admin fee / account holder | $15,705 | $13,353+17.6% | $9,460+66.0% | $13,390+17.3% |