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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 | $495,948 | $124,425+298.6% | $112,040+342.7% | $137,256+261.3% |
| Participation rate | 70.0% | 79.3%-9.3pp | 76.5%-6.5pp | 80.0%-10.0pp |
| Annual return | 15.94% | 24.72%-8.8pp | 24.52%-8.6pp | 220.34%-204.4pp |
| Employer contribution / active EE | $22,484 | $3,411+559.1% | $2,954+661.2% | $4,156+441.0% |
| Participant deferral / active EE | $16,602 | $5,718+190.3% | $5,098+225.7% | $6,407+159.1% |
| Admin fee / account holder | $3,031 | $15,207-80.1% | $12,098-74.9% | $12,270-75.3% |