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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 | $418,204 | $201,372+107.7% | $184,260+127.0% | $145,884+186.7% |
| Participation rate | 80.0% | 87.5%-7.5pp | 86.8%-6.8pp | 80.3%-0.3pp |
| Annual return | 18.33% | 29.04%-10.7pp | 28.84%-10.5pp | 551.85%-533.5pp |
| Employer contribution / active EE | $9,147 | $7,024+30.2% | $6,427+42.3% | $4,662+96.2% |
| Participant deferral / active EE | $17,613 | $9,808+79.6% | $9,133+92.8% | $6,690+163.3% |
| Admin fee / account holder | $364 | $16,362-97.8% | $13,898-97.4% | $13,392-97.3% |