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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 | $582,860 | $172,111+238.7% | $150,298+287.8% | $137,256+324.7% |
| Participation rate | 83.3% | 81.7%+1.6pp | 77.8%+5.6pp | 80.0%+3.4pp |
| Annual return | 17.40% | 69.37%-52.0pp | 62.79%-45.4pp | 220.34%-202.9pp |
| Employer contribution / active EE | $19,798 | $4,636+327.0% | $4,154+376.6% | $4,156+376.4% |
| Participant deferral / active EE | $18,522 | $6,166+200.4% | $5,453+239.7% | $6,407+189.1% |
| Admin fee / account holder | $6,233 | $16,471-62.2% | $14,116-55.8% | $12,270-49.2% |