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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 | $637,160 | $155,555+309.6% | $146,866+333.8% | $155,188+310.6% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.5%-7.5pp | 80.8%-5.8pp |
| Annual return | 45.28% | 115.41%-70.1pp | 102.85%-57.6pp | 148.84%-103.6pp |
| Employer contribution / active EE | $2,163 | $4,647-53.5% | $4,425-51.1% | $4,248-49.1% |
| Participant deferral / active EE | $12,828 | $8,044+59.5% | $7,759+65.3% | $6,531+96.4% |
| Admin fee / account holder | $2,719 | $14,755-81.6% | $13,620-80.0% | $14,480-81.2% |