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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 | $123,155+368.4% | $108,753+430.4% | $155,188+271.7% |
| Participation rate | 83.3% | 75.6%+7.7pp | 71.1%+12.2pp | 80.8%+2.5pp |
| Annual return | 13.12% | 44.73%-31.6pp | 37.47%-24.3pp | 148.84%-135.7pp |
| Employer contribution / active EE | $2,889 | $2,811+2.8% | $2,427+19.0% | $4,248-32.0% |
| Participant deferral / active EE | $12,650 | $4,623+173.6% | $4,115+207.4% | $6,531+93.7% |
| Admin fee / account holder | $4,779 | $12,126-60.6% | $10,320-53.7% | $14,480-67.0% |