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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 | $607,478 | $185,312+227.8% | $161,489+276.2% | $154,746+292.6% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 17.73% | 103.84%-86.1pp | 89.72%-72.0pp | 172.34%-154.6pp |
| Employer contribution / active EE | $2,594 | $4,769-45.6% | $4,268-39.2% | $4,379-40.8% |
| Participant deferral / active EE | $8,857 | $6,350+39.5% | $5,630+57.3% | $6,730+31.6% |
| Admin fee / account holder | $805 | $18,654-95.7% | $16,006-95.0% | $14,365-94.4% |