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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 | $410,016 | $125,193+227.5% | $105,591+288.3% | $145,978+180.9% |
| Participation rate | 75.0% | 77.6%-2.6pp | 75.3%-0.3pp | 80.3%-5.3pp |
| Annual return | 8.65% | 225.53%-216.9pp | 116.43%-107.8pp | 550.52%-541.9pp |
| Employer contribution / active EE | $12,191 | $3,718+227.9% | $3,166+285.0% | $4,662+161.5% |
| Participant deferral / active EE | $9,596 | $5,708+68.1% | $5,008+91.6% | $6,690+43.5% |
| Admin fee / account holder | $3,514 | $17,277-79.7% | $11,024-68.1% | $13,400-73.8% |