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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 | $615,645 | $183,516+235.5% | $155,534+295.8% | $145,884+322.0% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 18.51% | 61.43%-42.9pp | 64.92%-46.4pp | 551.85%-533.3pp |
| Employer contribution / active EE | $14,646 | $5,315+175.6% | $4,675+213.3% | $4,662+214.1% |
| Participant deferral / active EE | $7,957 | $6,467+23.0% | $5,630+41.3% | $6,690+18.9% |
| Admin fee / account holder | $1,887 | $19,293-90.2% | $15,900-88.1% | $13,392-85.9% |