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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 | $593,658 | $174,379+240.4% | $152,093+290.3% | $138,895+327.4% |
| Participation rate | 75.0% | 81.6%-6.6pp | 77.8%-2.8pp | 79.9%-4.9pp |
| Annual return | 19.20% | 74.86%-55.7pp | 66.36%-47.2pp | 145.39%-126.2pp |
| Employer contribution / active EE | $9,009 | $4,652+93.7% | $4,175+115.8% | $4,194+114.8% |
| Participant deferral / active EE | $7,046 | $6,159+14.4% | $5,451+29.2% | $6,396+10.2% |
| Admin fee / account holder | $1,976 | $16,880-88.3% | $14,497-86.4% | $12,562-84.3% |