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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 | $618,171 | $172,111+259.2% | $150,298+311.3% | $137,256+350.4% |
| Participation rate | 80.0% | 81.7%-1.7pp | 77.8%+2.2pp | 80.0%0pp |
| Annual return | 16.11% | 69.37%-53.3pp | 62.79%-46.7pp | 220.34%-204.2pp |
| Employer contribution / active EE | $9,495 | $4,636+104.8% | $4,154+128.6% | $4,156+128.5% |
| Participant deferral / active EE | $10,942 | $6,166+77.5% | $5,453+100.7% | $6,407+70.8% |
| Admin fee / account holder | $9,753 | $16,471-40.8% | $14,116-30.9% | $12,270-20.5% |