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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 | $558,368 | $176,786+215.8% | $146,643+280.8% | $167,536+233.3% |
| Participation rate | 81.3% | 83.6%-2.4pp | 80.1%+1.2pp | 82.1%-0.9pp |
| Annual return | 16.42% | 24.04%-7.6pp | 22.75%-6.3pp | 478.82%-462.4pp |
| Employer contribution / active EE | $10,400 | $5,161+101.5% | $4,137+151.4% | $4,839+114.9% |
| Participant deferral / active EE | $7,837 | $6,440+21.7% | $5,506+42.3% | $6,342+23.6% |
| Admin fee / account holder | $11,291 | $13,262-14.9% | $10,280+9.8% | $12,315-8.3% |