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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 | $172,111+319.5% | $150,298+380.4% | $137,256+426.1% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 15.48% | 69.37%-53.9pp | 62.79%-47.3pp | 220.34%-204.9pp |
| Employer contribution / active EE | $3,299 | $4,636-28.8% | $4,154-20.6% | $4,156-20.6% |
| Participant deferral / active EE | $10,885 | $6,166+76.5% | $5,453+99.6% | $6,407+69.9% |
| Admin fee / account holder | $362 | $16,471-97.8% | $14,116-97.4% | $12,270-97.0% |