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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 | $211,288+77.3% | $178,540+109.8% | $145,884+156.8% |
| Participation rate | 75.0% | 80.8%-5.8pp | 77.1%-2.1pp | 80.3%-5.3pp |
| Annual return | 17.21% | 30.27%-13.1pp | 27.15%-9.9pp | 551.85%-534.6pp |
| Employer contribution / active EE | $16,334 | $4,574+257.1% | $3,953+313.2% | $4,662+250.3% |
| Participant deferral / active EE | $11,560 | $6,967+65.9% | $6,281+84.1% | $6,690+72.8% |
| Admin fee / account holder | $1,656 | $12,105-86.3% | $10,424-84.1% | $13,392-87.6% |