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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 | $556,810 | $154,228+261.0% | $145,433+282.9% | $137,256+305.7% |
| Participation rate | 90.0% | 83.8%+6.2pp | 82.1%+7.9pp | 80.0%+10.0pp |
| Annual return | 19.17% | 74.59%-55.4pp | 66.58%-47.4pp | 220.34%-201.2pp |
| Employer contribution / active EE | $13,208 | $4,804+174.9% | $4,554+190.0% | $4,156+217.8% |
| Participant deferral / active EE | $11,565 | $8,216+40.8% | $7,897+46.4% | $6,407+80.5% |
| Admin fee / account holder | $6,853 | $14,344-52.2% | $13,129-47.8% | $12,270-44.2% |