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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 | $456,623 | $201,264+126.9% | $184,185+147.9% | $145,978+212.8% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 15.69% | 29.00%-13.3pp | 28.81%-13.1pp | 550.52%-534.8pp |
| Employer contribution / active EE | $15,125 | $7,021+115.4% | $6,426+135.4% | $4,662+224.4% |
| Participant deferral / active EE | $15,488 | $9,806+57.9% | $9,132+69.6% | $6,690+131.5% |
| Admin fee / account holder | $1,235 | $16,376-92.5% | $13,909-91.1% | $13,400-90.8% |