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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 | $475,052 | $152,612+211.3% | $125,192+279.5% | $152,897+210.7% |
| Participation rate | 85.7% | 83.3%+2.4pp | 79.8%+5.9pp | 82.5%+3.3pp |
| Annual return | 26.48% | 54.85%-28.4pp | 43.79%-17.3pp | 345.43%-319.0pp |
| Employer contribution / active EE | $4,403 | $4,947-11.0% | $3,866+13.9% | $4,764-7.6% |
| Participant deferral / active EE | $8,807 | $5,868+50.1% | $4,937+78.4% | $5,851+50.5% |
| Admin fee / account holder | $617 | $13,437-95.4% | $9,704-93.6% | $11,599-94.7% |