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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 | $526,325 | $172,111+205.8% | $150,298+250.2% | $137,256+283.5% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 16.72% | 69.37%-52.7pp | 62.79%-46.1pp | 220.34%-203.6pp |
| Employer contribution / active EE | $3,139 | $4,636-32.3% | $4,154-24.4% | $4,156-24.5% |
| Participant deferral / active EE | $7,538 | $6,166+22.3% | $5,453+38.2% | $6,407+17.7% |
| Admin fee / account holder | $3,334 | $16,471-79.8% | $14,116-76.4% | $12,270-72.8% |