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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 | $452,295 | $183,592+146.4% | $155,567+190.7% | $145,959+209.9% |
| Participation rate | 83.3% | 82.7%+0.7pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 15.34% | 61.24%-45.9pp | 64.74%-49.4pp | 561.95%-546.6pp |
| Employer contribution / active EE | $10,516 | $5,315+97.9% | $4,674+125.0% | $4,661+125.6% |
| Participant deferral / active EE | $11,291 | $6,464+74.7% | $5,628+100.6% | $6,689+68.8% |
| Admin fee / account holder | $2,529 | $19,318-86.9% | $15,916-84.1% | $13,398-81.1% |