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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 | $495,929 | $142,354+248.4% | $125,529+295.1% | $155,188+219.6% |
| Participation rate | 75.0% | 78.1%-3.1pp | 74.7%+0.3pp | 80.8%-5.8pp |
| Annual return | 20.73% | 306.06%-285.3pp | 202.56%-181.8pp | 148.84%-128.1pp |
| Employer contribution / active EE | $0 | $3,501-100.0% | $3,058-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $0 | $5,491-100.0% | $4,813-100.0% | $6,531-100.0% |
| Admin fee / account holder | $2,572 | $19,392-86.7% | $16,298-84.2% | $14,480-82.2% |