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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 | $391,039 | $211,239+85.1% | $178,528+119.0% | $145,877+168.1% |
| Participation rate | 85.7% | 80.8%+4.9pp | 77.1%+8.6pp | 80.3%+5.4pp |
| Annual return | 14.03% | 30.22%-16.2pp | 27.11%-13.1pp | 551.28%-537.3pp |
| Employer contribution / active EE | $0 | $4,570-100.0% | $3,950-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $7,422 | $6,963+6.6% | $6,278+18.2% | $6,691+10.9% |
| Admin fee / account holder | $8,304 | $12,095-31.3% | $10,419-20.3% | $13,402-38.0% |