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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 | $725,508 | $227,291+219.2% | $214,702+237.9% | $155,188+367.5% |
| Participation rate | 75.0% | 88.0%-13.0pp | 87.5%-12.5pp | 80.8%-5.8pp |
| Annual return | 15.46% | 60.08%-44.6pp | 54.55%-39.1pp | 148.84%-133.4pp |
| Employer contribution / active EE | $5,589 | $6,772-17.5% | $6,461-13.5% | $4,248+31.6% |
| Participant deferral / active EE | $15,812 | $9,582+65.0% | $9,147+72.9% | $6,531+142.1% |
| Admin fee / account holder | $7,749 | $20,413-62.0% | $19,830-60.9% | $14,480-46.5% |