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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 | $374,610 | $211,239+77.3% | $178,528+109.8% | $145,877+156.8% |
| Participation rate | 75.0% | 80.8%-5.8pp | 77.1%-2.1pp | 80.3%-5.3pp |
| Annual return | 17.21% | 30.22%-13.0pp | 27.11%-9.9pp | 551.28%-534.1pp |
| Employer contribution / active EE | $16,334 | $4,570+257.4% | $3,950+313.5% | $4,663+250.3% |
| Participant deferral / active EE | $11,560 | $6,963+66.0% | $6,278+84.1% | $6,691+72.8% |
| Admin fee / account holder | $1,656 | $12,095-86.3% | $10,419-84.1% | $13,402-87.6% |