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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 | $503,607 | $183,592+174.3% | $155,574+223.7% | $145,877+245.2% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 14.07% | 61.37%-47.3pp | 64.87%-50.8pp | 551.28%-537.2pp |
| Employer contribution / active EE | $3,301 | $5,317-37.9% | $4,676-29.4% | $4,663-29.2% |
| Participant deferral / active EE | $12,024 | $6,466+85.9% | $5,629+113.6% | $6,691+79.7% |
| Admin fee / account holder | $2,422 | $19,316-87.5% | $15,914-84.8% | $13,402-81.9% |