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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 | $185,312+236.8% | $161,489+286.5% | $154,746+303.3% |
| Participation rate | 76.9% | 82.5%-5.5pp | 78.7%-1.8pp | 80.7%-3.8pp |
| Annual return | 16.26% | 103.84%-87.6pp | 89.72%-73.5pp | 172.34%-156.1pp |
| Employer contribution / active EE | $10,481 | $4,769+119.8% | $4,268+145.6% | $4,379+139.3% |
| Participant deferral / active EE | $5,908 | $6,350-7.0% | $5,630+4.9% | $6,730-12.2% |
| Admin fee / account holder | $17,679 | $18,654-5.2% | $16,006+10.5% | $14,365+23.1% |