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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 | $400,756 | $211,224+89.7% | $178,505+124.5% | $145,897+174.7% |
| Participation rate | 92.3% | 80.8%+11.5pp | 77.1%+15.2pp | 80.3%+12.0pp |
| Annual return | 15.06% | 30.28%-15.2pp | 27.16%-12.1pp | 552.29%-537.2pp |
| Employer contribution / active EE | $15,322 | $4,577+234.8% | $3,955+287.4% | $4,663+228.6% |
| Participant deferral / active EE | $12,628 | $6,966+81.3% | $6,280+101.1% | $6,689+88.8% |
| Admin fee / account holder | $1,576 | $12,109-87.0% | $10,428-84.9% | $13,390-88.2% |