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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 | $223,823+224.1% | $211,142+243.6% | $154,746+368.8% |
| Participation rate | 75.0% | 87.9%-12.9pp | 87.3%-12.3pp | 80.7%-5.7pp |
| Annual return | 15.46% | 50.39%-34.9pp | 46.84%-31.4pp | 172.34%-156.9pp |
| Employer contribution / active EE | $5,589 | $6,787-17.7% | $6,442-13.2% | $4,379+27.6% |
| Participant deferral / active EE | $15,812 | $9,750+62.2% | $9,284+70.3% | $6,730+134.9% |
| Admin fee / account holder | $7,749 | $19,707-60.7% | $19,076-59.4% | $14,365-46.1% |