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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 | $519,097 | $156,398+231.9% | $147,318+252.4% | $138,895+273.7% |
| Participation rate | 71.4% | 83.8%-12.3pp | 82.1%-10.6pp | 79.9%-8.5pp |
| Annual return | 18.62% | 78.75%-60.1pp | 70.43%-51.8pp | 145.39%-126.8pp |
| Employer contribution / active EE | $2,504 | $4,853-48.4% | $4,593-45.5% | $4,194-40.3% |
| Participant deferral / active EE | $11,090 | $8,237+34.6% | $7,906+40.3% | $6,396+73.4% |
| Admin fee / account holder | $3,115 | $14,976-79.2% | $13,708-77.3% | $12,562-75.2% |