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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 | $185,312+220.4% | $161,489+267.6% | $154,746+283.6% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 19.20% | 103.84%-84.6pp | 89.72%-70.5pp | 172.34%-153.1pp |
| Employer contribution / active EE | $9,009 | $4,769+88.9% | $4,268+111.1% | $4,379+105.7% |
| Participant deferral / active EE | $7,046 | $6,350+11.0% | $5,630+25.1% | $6,730+4.7% |
| Admin fee / account holder | $1,976 | $18,654-89.4% | $16,006-87.7% | $14,365-86.2% |