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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 | $633,401 | $199,109+218.1% | $173,730+264.6% | $154,746+309.3% |
| Participation rate | 88.9% | 82.8%+6.1pp | 79.6%+9.3pp | 80.7%+8.2pp |
| Annual return | 14.45% | 20.02%-5.6pp | 19.96%-5.5pp | 172.34%-157.9pp |
| Employer contribution / active EE | $8,026 | $5,311+51.1% | $4,577+75.3% | $4,379+83.3% |
| Participant deferral / active EE | $6,498 | $7,113-8.6% | $6,326+2.7% | $6,730-3.5% |
| Admin fee / account holder | $34,091 | $20,916+63.0% | $17,523+94.5% | $14,365+137.3% |