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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 | $369,161 | $141,004+161.8% | $112,273+228.8% | $139,466+164.7% |
| Participation rate | 93.8% | 79.2%+14.5pp | 72.4%+21.3pp | 80.3%+13.4pp |
| Annual return | 13.39% | 32.75%-19.4pp | 30.23%-16.8pp | 373.66%-360.3pp |
| Employer contribution / active EE | $2,660 | $4,285-37.9% | $3,431-22.5% | $4,754-44.1% |
| Participant deferral / active EE | $4,528 | $5,878-23.0% | $4,800-5.7% | $6,712-32.5% |
| Admin fee / account holder | $55,724 | $9,959+459.5% | $7,752+618.8% | $11,409+388.4% |