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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 | $279,755 | $183,592+52.4% | $155,574+79.8% | $145,877+91.8% |
| Participation rate | 85.7% | 82.7%+3.0pp | 78.2%+7.5pp | 80.3%+5.4pp |
| Annual return | 33.86% | 61.37%-27.5pp | 64.87%-31.0pp | 551.28%-517.4pp |
| Employer contribution / active EE | $4,501 | $5,317-15.3% | $4,676-3.7% | $4,663-3.5% |
| Participant deferral / active EE | $9,635 | $6,466+49.0% | $5,629+71.2% | $6,691+44.0% |
| Admin fee / account holder | $57,864 | $19,316+199.6% | $15,914+263.6% | $13,402+331.8% |