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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 | $117,846+173.2% | $102,434+214.3% | $145,884+120.7% |
| Participation rate | 87.5% | 78.6%+8.9pp | 76.5%+11.0pp | 80.3%+7.2pp |
| Annual return | 10.68% | 31.90%-21.2pp | 29.46%-18.8pp | 551.85%-541.2pp |
| Employer contribution / active EE | $3,820 | $3,615+5.7% | $3,023+26.4% | $4,662-18.1% |
| Participant deferral / active EE | $8,004 | $5,733+39.6% | $5,055+58.3% | $6,690+19.6% |
| Admin fee / account holder | $3,266 | $13,356-75.6% | $9,462-65.5% | $13,392-75.6% |