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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 | $566,331 | $196,972+187.5% | $182,262+210.7% | $198,609+185.1% |
| Participation rate | 72.7% | 85.7%-13.0pp | 84.2%-11.5pp | 82.4%-9.7pp |
| Annual return | 12.89% | 158.27%-145.4pp | 140.60%-127.7pp | 202.70%-189.8pp |
| Employer contribution / active EE | $10,694 | $5,364+99.4% | $5,046+111.9% | $5,055+111.5% |
| Participant deferral / active EE | $7,540 | $8,643-12.8% | $8,276-8.9% | $6,977+8.1% |
| Admin fee / account holder | $2,091 | $18,429-88.7% | $16,712-87.5% | $19,030-89.0% |