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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 | $521,524 | $209,336+149.1% | $197,124+164.6% | $137,256+280.0% |
| Participation rate | 75.0% | 87.3%-12.3pp | 86.7%-11.7pp | 80.0%-5.0pp |
| Annual return | 17.09% | 48.09%-31.0pp | 44.34%-27.3pp | 220.34%-203.3pp |
| Employer contribution / active EE | $1,709 | $6,591-74.1% | $6,227-72.6% | $4,156-58.9% |
| Participant deferral / active EE | $5,803 | $9,614-39.6% | $9,135-36.5% | $6,407-9.4% |
| Admin fee / account holder | $1,725 | $17,308-90.0% | $16,298-89.4% | $12,270-85.9% |