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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 | $624,161 | $227,399+174.5% | $189,758+228.9% | $198,609+214.3% |
| Participation rate | 76.9% | 84.0%-7.1pp | 79.8%-2.9pp | 82.4%-5.5pp |
| Annual return | 16.26% | 61.03%-44.8pp | 52.62%-36.4pp | 202.70%-186.4pp |
| Employer contribution / active EE | $10,481 | $5,526+89.7% | $4,767+119.9% | $5,055+107.3% |
| Participant deferral / active EE | $5,908 | $6,837-13.6% | $5,856+0.9% | $6,977-15.3% |
| Admin fee / account holder | $17,679 | $25,162-29.7% | $20,388-13.3% | $19,030-7.1% |