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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 | $155,555+178.0% | $146,866+194.4% | $155,188+178.6% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.5%+7.5pp | 80.8%+9.2pp |
| Annual return | 19.65% | 115.41%-95.8pp | 102.85%-83.2pp | 148.84%-129.2pp |
| Employer contribution / active EE | $2,603 | $4,647-44.0% | $4,425-41.2% | $4,248-38.7% |
| Participant deferral / active EE | $6,891 | $8,044-14.3% | $7,759-11.2% | $6,531+5.5% |
| Admin fee / account holder | $19,513 | $14,755+32.2% | $13,620+43.3% | $14,480+34.8% |