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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 | $423,701 | $108,882+289.1% | $96,754+337.9% | $154,746+173.8% |
| Participation rate | 80.0% | 75.1%+4.9pp | 70.3%+9.7pp | 80.7%-0.7pp |
| Annual return | 11.14% | 98.39%-87.2pp | 82.04%-70.9pp | 172.34%-161.2pp |
| Employer contribution / active EE | $644 | $3,018-78.7% | $2,679-76.0% | $4,379-85.3% |
| Participant deferral / active EE | $6,396 | $5,323+20.2% | $4,758+34.4% | $6,730-5.0% |
| Admin fee / account holder | $17,906 | $10,200+75.5% | $8,905+101.1% | $14,365+24.6% |