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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 | $162,136+243.4% | $152,301+265.6% | $154,746+259.8% |
| Participation rate | 90.0% | 84.1%+5.9pp | 82.4%+7.6pp | 80.7%+9.3pp |
| Annual return | 19.17% | 91.02%-71.8pp | 80.50%-61.3pp | 172.34%-153.2pp |
| Employer contribution / active EE | $13,208 | $4,890+170.1% | $4,624+185.6% | $4,379+201.6% |
| Participant deferral / active EE | $11,565 | $8,341+38.7% | $8,004+44.5% | $6,730+71.8% |
| Admin fee / account holder | $6,853 | $15,759-56.5% | $14,398-52.4% | $14,365-52.3% |