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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 | $408,052 | $201,372+102.6% | $184,260+121.5% | $145,884+179.7% |
| Participation rate | 80.0% | 87.5%-7.5pp | 86.8%-6.8pp | 80.3%-0.3pp |
| Annual return | 12.62% | 29.04%-16.4pp | 28.84%-16.2pp | 551.85%-539.2pp |
| Employer contribution / active EE | $22,922 | $7,024+226.4% | $6,427+256.6% | $4,662+391.6% |
| Participant deferral / active EE | $29,563 | $9,808+201.4% | $9,133+223.7% | $6,690+341.9% |
| Admin fee / account holder | $35,066 | $16,362+114.3% | $13,898+152.3% | $13,392+161.8% |