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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 | $328,221 | $162,812+101.6% | $133,971+145.0% | $158,966+106.5% |
| Participation rate | 91.7% | 83.2%+8.4pp | 79.8%+11.8pp | 82.0%+9.7pp |
| Annual return | 15.03% | 41.94%-26.9pp | 45.09%-30.1pp | 302.95%-287.9pp |
| Employer contribution / active EE | $4,474 | $4,976-10.1% | $3,919+14.2% | $4,762-6.1% |
| Participant deferral / active EE | $13,407 | $5,910+126.9% | $5,047+165.6% | $5,983+124.1% |
| Admin fee / account holder | $1,107 | $11,741-90.6% | $8,929-87.6% | $11,250-90.2% |