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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 | $455,589 | $154,228+195.4% | $145,433+213.3% | $137,256+231.9% |
| Participation rate | 88.9% | 83.8%+5.1pp | 82.1%+6.8pp | 80.0%+8.9pp |
| Annual return | 19.02% | 74.59%-55.6pp | 66.58%-47.6pp | 220.34%-201.3pp |
| Employer contribution / active EE | $4,015 | $4,804-16.4% | $4,554-11.8% | $4,156-3.4% |
| Participant deferral / active EE | $7,751 | $8,216-5.7% | $7,897-1.8% | $6,407+21.0% |
| Admin fee / account holder | $7,158 | $14,344-50.1% | $13,129-45.5% | $12,270-41.7% |