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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 | $333,484 | $134,817+147.4% | $123,973+169.0% | $155,188+114.9% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.7%+3.3pp | 80.8%-0.8pp |
| Annual return | 15.30% | 515.49%-500.2pp | 388.13%-372.8pp | 148.84%-133.5pp |
| Employer contribution / active EE | $2,409 | $4,425-45.6% | $4,126-41.6% | $4,248-43.3% |
| Participant deferral / active EE | $15,359 | $5,706+169.2% | $5,247+192.7% | $6,531+135.2% |
| Admin fee / account holder | $2,423 | $13,245-81.7% | $11,799-79.5% | $14,480-83.3% |