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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 | $722,078 | $185,312+289.7% | $161,489+347.1% | $154,746+366.6% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 15.48% | 103.84%-88.4pp | 89.72%-74.2pp | 172.34%-156.9pp |
| Employer contribution / active EE | $3,299 | $4,769-30.8% | $4,268-22.7% | $4,379-24.7% |
| Participant deferral / active EE | $10,885 | $6,350+71.4% | $5,630+93.3% | $6,730+61.7% |
| Admin fee / account holder | $362 | $18,654-98.1% | $16,006-97.7% | $14,365-97.5% |