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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 | $491,564 | $157,304+212.5% | $141,197+248.1% | $152,909+221.5% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 29.03% | 64.34%-35.3pp | 71.41%-42.4pp | 345.46%-316.4pp |
| Employer contribution / active EE | $5,956 | $5,263+13.2% | $4,736+25.8% | $4,764+25.0% |
| Participant deferral / active EE | $5,085 | $7,111-28.5% | $6,710-24.2% | $5,851-13.1% |
| Admin fee / account holder | $16,916 | $12,126+39.5% | $10,265+64.8% | $11,601+45.8% |