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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 | $413,104 | $178,174+131.9% | $156,181+164.5% | $137,256+201.0% |
| Participation rate | 90.5% | 82.0%+8.4pp | 78.8%+11.6pp | 80.0%+10.5pp |
| Annual return | 14.89% | 84.19%-69.3pp | 64.87%-50.0pp | 220.34%-205.4pp |
| Employer contribution / active EE | $4,576 | $4,972-8.0% | $4,294+6.6% | $4,156+10.1% |
| Participant deferral / active EE | $12,896 | $6,888+87.2% | $6,132+110.3% | $6,407+101.3% |
| Admin fee / account holder | $2,317 | $17,404-86.7% | $14,586-84.1% | $12,270-81.1% |