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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 | $367,820 | $157,296+133.8% | $141,191+160.5% | $152,897+140.6% |
| Participation rate | 94.1% | 84.8%+9.3pp | 82.5%+11.6pp | 82.5%+11.7pp |
| Annual return | 32.43% | 64.34%-31.9pp | 71.41%-39.0pp | 345.43%-313.0pp |
| Employer contribution / active EE | $5,438 | $5,262+3.3% | $4,736+14.8% | $4,764+14.2% |
| Participant deferral / active EE | $10,867 | $7,111+52.8% | $6,710+61.9% | $5,851+85.7% |
| Admin fee / account holder | $907 | $12,125-92.5% | $10,264-91.2% | $11,599-92.2% |