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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 | $417,170 | $185,312+125.1% | $161,489+158.3% | $154,746+169.6% |
| Participation rate | 85.7% | 82.5%+3.3pp | 78.7%+7.0pp | 80.7%+5.0pp |
| Annual return | 10.63% | 103.84%-93.2pp | 89.72%-79.1pp | 172.34%-161.7pp |
| Employer contribution / active EE | $7,819 | $4,769+63.9% | $4,268+83.2% | $4,379+78.5% |
| Participant deferral / active EE | $4,586 | $6,350-27.8% | $5,630-18.5% | $6,730-31.9% |
| Admin fee / account holder | $24,869 | $18,654+33.3% | $16,006+55.4% | $14,365+73.1% |