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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 | $522,681 | $154,228+238.9% | $145,433+259.4% | $137,256+280.8% |
| Participation rate | 88.9% | 83.8%+5.1pp | 82.1%+6.8pp | 80.0%+8.9pp |
| Annual return | 24.69% | 74.59%-49.9pp | 66.58%-41.9pp | 220.34%-195.6pp |
| Employer contribution / active EE | $11,095 | $4,804+131.0% | $4,554+143.6% | $4,156+167.0% |
| Participant deferral / active EE | $20,370 | $8,216+147.9% | $7,897+157.9% | $6,407+218.0% |
| Admin fee / account holder | $2,701 | $14,344-81.2% | $13,129-79.4% | $12,270-78.0% |