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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 | $552,582 | $209,336+164.0% | $197,124+180.3% | $137,256+302.6% |
| Participation rate | 87.5% | 87.3%+0.2pp | 86.7%+0.8pp | 80.0%+7.5pp |
| Annual return | 18.81% | 48.09%-29.3pp | 44.34%-25.5pp | 220.34%-201.5pp |
| Employer contribution / active EE | $6,158 | $6,591-6.6% | $6,227-1.1% | $4,156+48.2% |
| Participant deferral / active EE | $11,562 | $9,614+20.3% | $9,135+26.6% | $6,407+80.5% |
| Admin fee / account holder | $28,522 | $17,308+64.8% | $16,298+75.0% | $12,270+132.5% |