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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 | $470,118 | $180,749+160.1% | $160,784+192.4% | $137,256+242.5% |
| Participation rate | 75.0% | 80.0%-5.0pp | 77.0%-2.0pp | 80.0%-5.0pp |
| Annual return | 16.13% | 2234.46%-2218.3pp | 1803.92%-1787.8pp | 220.34%-204.2pp |
| Employer contribution / active EE | $1,979 | $4,155-52.4% | $3,733-47.0% | $4,156-52.4% |
| Participant deferral / active EE | $10,517 | $6,844+53.7% | $6,293+67.1% | $6,407+64.1% |
| Admin fee / account holder | $12,163 | $10,397+17.0% | $9,717+25.2% | $12,270-0.9% |