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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 | $1,238,855 | $174,379+610.4% | $152,093+714.5% | $138,895+791.9% |
| Participation rate | 75.0% | 81.6%-6.6pp | 77.8%-2.8pp | 79.9%-4.9pp |
| Annual return | 12.30% | 74.86%-62.6pp | 66.36%-54.1pp | 145.39%-133.1pp |
| Employer contribution / active EE | $1,736 | $4,652-62.7% | $4,175-58.4% | $4,194-58.6% |
| Participant deferral / active EE | $16,553 | $6,159+168.8% | $5,451+203.7% | $6,396+158.8% |
| Admin fee / account holder | $350 | $16,880-97.9% | $14,497-97.6% | $12,562-97.2% |