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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 | $174,379+314.1% | $152,093+374.8% | $138,895+419.9% |
| Participation rate | 85.7% | 81.6%+4.1pp | 77.8%+7.9pp | 79.9%+5.8pp |
| Annual return | 15.48% | 74.86%-59.4pp | 66.36%-50.9pp | 145.39%-129.9pp |
| Employer contribution / active EE | $3,299 | $4,652-29.1% | $4,175-21.0% | $4,194-21.3% |
| Participant deferral / active EE | $10,885 | $6,159+76.7% | $5,451+99.7% | $6,396+70.2% |
| Admin fee / account holder | $362 | $16,880-97.9% | $14,497-97.5% | $12,562-97.1% |