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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 | $156,398+234.2% | $147,318+254.8% | $138,895+276.3% |
| Participation rate | 88.9% | 83.8%+5.1pp | 82.1%+6.8pp | 79.9%+9.0pp |
| Annual return | 24.69% | 78.75%-54.1pp | 70.43%-45.7pp | 145.39%-120.7pp |
| Employer contribution / active EE | $11,095 | $4,853+128.6% | $4,593+141.6% | $4,194+164.5% |
| Participant deferral / active EE | $20,370 | $8,237+147.3% | $7,906+157.6% | $6,396+218.5% |
| Admin fee / account holder | $2,701 | $14,976-82.0% | $13,708-80.3% | $12,562-78.5% |