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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 | $524,851 | $100,970+419.8% | $96,576+443.5% | $137,256+282.4% |
| Participation rate | 80.0% | 82.6%-2.6pp | 81.4%-1.4pp | 80.0%0pp |
| Annual return | 16.92% | 38.16%-21.2pp | 38.47%-21.6pp | 220.34%-203.4pp |
| Employer contribution / active EE | $3,419 | $3,809-10.3% | $3,553-3.8% | $4,156-17.7% |
| Participant deferral / active EE | $15,219 | $8,286+83.7% | $7,956+91.3% | $6,407+137.5% |
| Admin fee / account holder | $2,033 | $11,312-82.0% | $11,381-82.1% | $12,270-83.4% |