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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 | $466,999 | $156,398+198.6% | $147,318+217.0% | $138,895+236.2% |
| Participation rate | 87.5% | 83.8%+3.7pp | 82.1%+5.4pp | 79.9%+7.6pp |
| Annual return | 15.30% | 78.75%-63.5pp | 70.43%-55.1pp | 145.39%-130.1pp |
| Employer contribution / active EE | $6,067 | $4,853+25.0% | $4,593+32.1% | $4,194+44.6% |
| Participant deferral / active EE | $6,981 | $8,237-15.3% | $7,906-11.7% | $6,396+9.1% |
| Admin fee / account holder | $2,982 | $14,976-80.1% | $13,708-78.2% | $12,562-76.3% |