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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 | $359,055 | $134,817+166.3% | $123,973+189.6% | $155,188+131.4% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.7%+3.3pp | 80.8%-0.8pp |
| Annual return | 18.51% | 515.49%-497.0pp | 388.13%-369.6pp | 148.84%-130.3pp |
| Employer contribution / active EE | $4,235 | $4,425-4.3% | $4,126+2.6% | $4,248-0.3% |
| Participant deferral / active EE | $14,603 | $5,706+155.9% | $5,247+178.3% | $6,531+123.6% |
| Admin fee / account holder | $49,355 | $13,245+272.6% | $11,799+318.3% | $14,480+240.9% |