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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 | $597,434 | $172,111+247.1% | $150,298+297.5% | $137,256+335.3% |
| Participation rate | 83.3% | 81.7%+1.6pp | 77.8%+5.6pp | 80.0%+3.4pp |
| Annual return | 13.89% | 69.37%-55.5pp | 62.79%-48.9pp | 220.34%-206.4pp |
| Employer contribution / active EE | $16,993 | $4,636+266.5% | $4,154+309.1% | $4,156+308.9% |
| Participant deferral / active EE | $15,719 | $6,166+154.9% | $5,453+188.3% | $6,407+145.3% |
| Admin fee / account holder | $2,671 | $16,471-83.8% | $14,116-81.1% | $12,270-78.2% |