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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 | $564,606 | $107,666+424.4% | $102,184+452.5% | $154,746+264.9% |
| Participation rate | 71.4% | 83.7%-12.3pp | 82.6%-11.2pp | 80.7%-9.3pp |
| Annual return | 12.49% | 29.33%-16.8pp | 31.58%-19.1pp | 172.34%-159.8pp |
| Employer contribution / active EE | $3,335 | $3,846-13.3% | $3,594-7.2% | $4,379-23.9% |
| Participant deferral / active EE | $15,353 | $8,719+76.1% | $8,309+84.8% | $6,730+128.1% |
| Admin fee / account holder | $45,402 | $12,943+250.8% | $11,609+291.1% | $14,365+216.1% |