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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 | $564,084 | $148,623+279.5% | $135,974+314.8% | $139,466+304.5% |
| Participation rate | 85.7% | 83.9%+1.9pp | 81.9%+3.8pp | 80.3%+5.4pp |
| Annual return | 21.87% | 79.30%-57.4pp | 68.30%-46.4pp | 373.66%-351.8pp |
| Employer contribution / active EE | $5,424 | $5,246+3.4% | $4,859+11.6% | $4,754+14.1% |
| Participant deferral / active EE | $17,929 | $8,103+121.3% | $7,760+131.0% | $6,712+167.1% |
| Admin fee / account holder | $13,977 | $12,406+12.7% | $10,767+29.8% | $11,409+22.5% |