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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 | $752,946 | $185,312+306.3% | $161,489+366.3% | $154,746+386.6% |
| Participation rate | 71.4% | 82.5%-11.0pp | 78.7%-7.3pp | 80.7%-9.3pp |
| Annual return | 12.52% | 103.84%-91.3pp | 89.72%-77.2pp | 172.34%-159.8pp |
| Employer contribution / active EE | $2,416 | $4,769-49.3% | $4,268-43.4% | $4,379-44.8% |
| Participant deferral / active EE | $6,632 | $6,350+4.4% | $5,630+17.8% | $6,730-1.5% |
| Admin fee / account holder | $18,450 | $18,654-1.1% | $16,006+15.3% | $14,365+28.4% |