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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 | $362,043 | $197,625+83.2% | $177,840+103.6% | $158,966+127.7% |
| Participation rate | 91.7% | 88.5%+3.1pp | 87.7%+3.9pp | 82.0%+9.7pp |
| Annual return | 9.27% | 58.76%-49.5pp | 48.32%-39.1pp | 302.95%-293.7pp |
| Employer contribution / active EE | $14,926 | $6,698+122.8% | $5,919+152.2% | $4,762+213.4% |
| Participant deferral / active EE | $16,715 | $8,405+98.9% | $7,714+116.7% | $5,983+179.4% |
| Admin fee / account holder | $108,127 | $15,405+601.9% | $12,431+769.8% | $11,250+861.1% |