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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 | $576,847 | $124,980+361.6% | $108,359+432.3% | $154,746+272.8% |
| Participation rate | 83.3% | 75.2%+8.2pp | 70.1%+13.2pp | 80.7%+2.6pp |
| Annual return | 13.12% | 45.00%-31.9pp | 36.89%-23.8pp | 172.34%-159.2pp |
| Employer contribution / active EE | $2,889 | $2,851+1.3% | $2,399+20.4% | $4,379-34.0% |
| Participant deferral / active EE | $12,650 | $4,743+166.7% | $4,137+205.8% | $6,730+88.0% |
| Admin fee / account holder | $4,779 | $11,502-58.4% | $9,741-50.9% | $14,365-66.7% |