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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 | $729,197 | $174,379+318.2% | $152,093+379.4% | $138,895+425.0% |
| Participation rate | 80.0% | 81.6%-1.6pp | 77.8%+2.2pp | 79.9%+0.1pp |
| Annual return | 13.22% | 74.86%-61.6pp | 66.36%-53.1pp | 145.39%-132.2pp |
| Employer contribution / active EE | $14,088 | $4,652+202.9% | $4,175+237.5% | $4,194+235.9% |
| Participant deferral / active EE | $13,399 | $6,159+117.5% | $5,451+145.8% | $6,396+109.5% |
| Admin fee / account holder | $8,063 | $16,880-52.2% | $14,497-44.4% | $12,562-35.8% |