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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 | $414,973 | $152,619+171.9% | $125,195+231.5% | $152,909+171.4% |
| Participation rate | 81.8% | 83.3%-1.5pp | 79.8%+2.0pp | 82.5%-0.6pp |
| Annual return | 54.71% | 54.85%-0.1pp | 43.79%+10.9pp | 345.46%-290.8pp |
| Employer contribution / active EE | $10,402 | $4,947+110.3% | $3,866+169.1% | $4,764+118.4% |
| Participant deferral / active EE | $7,973 | $5,869+35.9% | $4,937+61.5% | $5,851+36.3% |
| Admin fee / account holder | $2,759 | $13,437-79.5% | $9,704-71.6% | $11,601-76.2% |