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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 | $506,450 | $178,174+184.2% | $156,181+224.3% | $137,256+269.0% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.8%+4.5pp | 80.0%+3.4pp |
| Annual return | 16.82% | 84.19%-67.4pp | 64.87%-48.1pp | 220.34%-203.5pp |
| Employer contribution / active EE | $2,310 | $4,972-53.5% | $4,294-46.2% | $4,156-44.4% |
| Participant deferral / active EE | $10,584 | $6,888+53.7% | $6,132+72.6% | $6,407+65.2% |
| Admin fee / account holder | $19,313 | $17,404+11.0% | $14,586+32.4% | $12,270+57.4% |