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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 | $136,860+262.4% | $120,344+312.1% | $154,746+220.5% |
| Participation rate | 70.0% | 79.9%-9.9pp | 76.7%-6.7pp | 80.7%-10.7pp |
| Annual return | 15.94% | 21.38%-5.4pp | 20.30%-4.4pp | 172.34%-156.4pp |
| Employer contribution / active EE | $22,484 | $3,533+536.4% | $3,020+644.5% | $4,379+413.4% |
| Participant deferral / active EE | $16,602 | $5,793+186.6% | $5,135+223.3% | $6,730+146.7% |
| Admin fee / account holder | $3,031 | $15,393-80.3% | $12,742-76.2% | $14,365-78.9% |