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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 | $321,990 | $117,829+173.3% | $102,423+214.4% | $145,877+120.7% |
| Participation rate | 87.5% | 78.6%+8.9pp | 76.5%+11.0pp | 80.3%+7.2pp |
| Annual return | 10.68% | 31.83%-21.2pp | 29.42%-18.7pp | 551.28%-540.6pp |
| Employer contribution / active EE | $3,820 | $3,615+5.7% | $3,023+26.4% | $4,663-18.1% |
| Participant deferral / active EE | $8,004 | $5,732+39.6% | $5,054+58.4% | $6,691+19.6% |
| Admin fee / account holder | $3,266 | $13,335-75.5% | $9,455-65.5% | $13,402-75.6% |