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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 | $560,568 | $174,379+221.5% | $152,093+268.6% | $138,895+303.6% |
| Participation rate | 80.0% | 81.6%-1.6pp | 77.8%+2.2pp | 79.9%+0.1pp |
| Annual return | 18.92% | 74.86%-55.9pp | 66.36%-47.4pp | 145.39%-126.5pp |
| Employer contribution / active EE | $8,041 | $4,652+72.9% | $4,175+92.6% | $4,194+91.7% |
| Participant deferral / active EE | $9,100 | $6,159+47.7% | $5,451+66.9% | $6,396+42.3% |
| Admin fee / account holder | $4,801 | $16,880-71.6% | $14,497-66.9% | $12,562-61.8% |