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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 | $638,912 | $154,228+314.3% | $145,433+339.3% | $137,256+365.5% |
| Participation rate | 80.0% | 83.8%-3.8pp | 82.1%-2.1pp | 80.0%0pp |
| Annual return | 16.89% | 74.59%-57.7pp | 66.58%-49.7pp | 220.34%-203.4pp |
| Employer contribution / active EE | $19,329 | $4,804+302.4% | $4,554+324.4% | $4,156+365.1% |
| Participant deferral / active EE | $16,614 | $8,216+102.2% | $7,897+110.4% | $6,407+159.3% |
| Admin fee / account holder | $10,719 | $14,344-25.3% | $13,129-18.4% | $12,270-12.6% |