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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 | $211,224+77.4% | $178,505+109.9% | $145,897+156.8% |
| Participation rate | 75.0% | 80.8%-5.8pp | 77.1%-2.1pp | 80.3%-5.3pp |
| Annual return | 17.21% | 30.28%-13.1pp | 27.16%-9.9pp | 552.29%-535.1pp |
| Employer contribution / active EE | $16,334 | $4,577+256.9% | $3,955+313.0% | $4,663+250.3% |
| Participant deferral / active EE | $11,560 | $6,966+66.0% | $6,280+84.1% | $6,689+72.8% |
| Admin fee / account holder | $1,656 | $12,109-86.3% | $10,428-84.1% | $13,390-87.6% |