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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 | $335,593 | $108,922+208.1% | $100,398+234.3% | $145,978+129.9% |
| Participation rate | 83.3% | 83.0%+0.4pp | 81.5%+1.8pp | 80.3%+3.0pp |
| Annual return | 12.80% | 58.04%-45.2pp | 49.32%-36.5pp | 550.52%-537.7pp |
| Employer contribution / active EE | $8,142 | $4,426+84.0% | $3,946+106.3% | $4,662+74.7% |
| Participant deferral / active EE | $16,584 | $8,450+96.3% | $8,084+105.1% | $6,690+147.9% |
| Admin fee / account holder | $3,581 | $9,680-63.0% | $7,893-54.6% | $13,400-73.3% |