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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 | $388,273 | $183,539+111.5% | $155,556+149.6% | $145,897+166.1% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 24.22% | 61.31%-37.1pp | 64.84%-40.6pp | 552.29%-528.1pp |
| Employer contribution / active EE | $6,726 | $5,315+26.5% | $4,675+43.8% | $4,663+44.2% |
| Participant deferral / active EE | $3,914 | $6,467-39.5% | $5,631-30.5% | $6,689-41.5% |
| Admin fee / account holder | $32,574 | $19,275+69.0% | $15,885+105.1% | $13,390+143.3% |