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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 | $408,658 | $223,823+82.6% | $211,142+93.5% | $154,746+164.1% |
| Participation rate | 75.0% | 87.9%-12.9pp | 87.3%-12.3pp | 80.7%-5.7pp |
| Annual return | 62.57% | 50.39%+12.2pp | 46.84%+15.7pp | 172.34%-109.8pp |
| Employer contribution / active EE | $1,802 | $6,787-73.4% | $6,442-72.0% | $4,379-58.8% |
| Participant deferral / active EE | $6,497 | $9,750-33.4% | $9,284-30.0% | $6,730-3.5% |
| Admin fee / account holder | $65,041 | $19,707+230.0% | $19,076+241.0% | $14,365+352.8% |