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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 | $162,136+220.2% | $152,301+240.8% | $154,746+235.5% |
| Participation rate | 71.4% | 84.1%-12.7pp | 82.4%-11.0pp | 80.7%-9.3pp |
| Annual return | 18.62% | 91.02%-72.4pp | 80.50%-61.9pp | 172.34%-153.7pp |
| Employer contribution / active EE | $2,504 | $4,890-48.8% | $4,624-45.9% | $4,379-42.8% |
| Participant deferral / active EE | $11,090 | $8,341+33.0% | $8,004+38.6% | $6,730+64.8% |
| Admin fee / account holder | $3,115 | $15,759-80.2% | $14,398-78.4% | $14,365-78.3% |