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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 | $1,132,033 | $174,379+549.2% | $152,093+644.3% | $138,895+715.0% |
| Participation rate | 75.0% | 81.6%-6.6pp | 77.8%-2.8pp | 79.9%-4.9pp |
| Annual return | 16.06% | 74.86%-58.8pp | 66.36%-50.3pp | 145.39%-129.3pp |
| Employer contribution / active EE | $21,355 | $4,652+359.1% | $4,175+411.5% | $4,194+409.1% |
| Participant deferral / active EE | $19,038 | $6,159+209.1% | $5,451+249.2% | $6,396+197.6% |
| Admin fee / account holder | $10,369 | $16,880-38.6% | $14,497-28.5% | $12,562-17.5% |