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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 | $658,535 | $217,427+202.9% | $185,837+254.4% | $167,518+293.1% |
| Participation rate | 83.3% | 86.0%-2.7pp | 81.7%+1.6pp | 82.1%+1.2pp |
| Annual return | 9.20% | 148.39%-139.2pp | 122.08%-112.9pp | 478.71%-469.5pp |
| Employer contribution / active EE | $7,793 | $5,874+32.7% | $5,168+50.8% | $4,838+61.1% |
| Participant deferral / active EE | $6,665 | $6,357+4.8% | $5,568+19.7% | $6,342+5.1% |
| Admin fee / account holder | $5,575 | $19,816-71.9% | $16,241-65.7% | $12,312-54.7% |