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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 | $377,982 | $157,296+140.3% | $141,191+167.7% | $152,897+147.2% |
| Participation rate | 91.7% | 84.8%+6.8pp | 82.5%+9.2pp | 82.5%+9.2pp |
| Annual return | 34.03% | 64.34%-30.3pp | 71.41%-37.4pp | 345.43%-311.4pp |
| Employer contribution / active EE | $7,384 | $5,262+40.3% | $4,736+55.9% | $4,764+55.0% |
| Participant deferral / active EE | $4,437 | $7,111-37.6% | $6,710-33.9% | $5,851-24.2% |
| Admin fee / account holder | $17,625 | $12,125+45.4% | $10,264+71.7% | $11,599+51.9% |