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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 | $155,555+233.7% | $146,866+253.5% | $155,188+234.5% |
| Participation rate | 71.4% | 84.0%-12.5pp | 82.5%-11.1pp | 80.8%-9.4pp |
| Annual return | 18.62% | 115.41%-96.8pp | 102.85%-84.2pp | 148.84%-130.2pp |
| Employer contribution / active EE | $2,504 | $4,647-46.1% | $4,425-43.4% | $4,248-41.0% |
| Participant deferral / active EE | $11,090 | $8,044+37.9% | $7,759+42.9% | $6,531+69.8% |
| Admin fee / account holder | $3,115 | $14,755-78.9% | $13,620-77.1% | $14,480-78.5% |