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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 | $769,226 | $155,555+394.5% | $146,866+423.8% | $155,188+395.7% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.5%-2.5pp | 80.8%-0.8pp |
| Annual return | 15.29% | 115.41%-100.1pp | 102.85%-87.6pp | 148.84%-133.5pp |
| Employer contribution / active EE | $7,976 | $4,647+71.7% | $4,425+80.3% | $4,248+87.8% |
| Participant deferral / active EE | $15,483 | $8,044+92.5% | $7,759+99.5% | $6,531+137.1% |
| Admin fee / account holder | $6,468 | $14,755-56.2% | $13,620-52.5% | $14,480-55.3% |