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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 | $432,384 | $156,398+176.5% | $147,318+193.5% | $138,895+211.3% |
| Participation rate | 90.0% | 83.8%+6.2pp | 82.1%+7.9pp | 79.9%+10.1pp |
| Annual return | 19.65% | 78.75%-59.1pp | 70.43%-50.8pp | 145.39%-125.7pp |
| Employer contribution / active EE | $2,603 | $4,853-46.4% | $4,593-43.3% | $4,194-37.9% |
| Participant deferral / active EE | $6,891 | $8,237-16.3% | $7,906-12.8% | $6,396+7.7% |
| Admin fee / account holder | $19,513 | $14,976+30.3% | $13,708+42.4% | $12,562+55.3% |