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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 | $424,971 | $185,856+128.7% | $170,028+149.9% | $139,456+204.7% |
| Participation rate | 75.0% | 87.8%-12.8pp | 87.0%-12.0pp | 80.3%-5.3pp |
| Annual return | 19.78% | 60.52%-40.7pp | 53.39%-33.6pp | 373.45%-353.7pp |
| Employer contribution / active EE | $9,620 | $7,593+26.7% | $6,788+41.7% | $4,753+102.4% |
| Participant deferral / active EE | $15,604 | $11,623+34.2% | $10,409+49.9% | $6,711+132.5% |
| Admin fee / account holder | $505 | $15,387-96.7% | $12,820-96.1% | $11,407-95.6% |