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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 | $582,712 | $185,905+213.4% | $170,057+242.7% | $139,487+317.8% |
| Participation rate | 80.0% | 87.8%-7.8pp | 87.0%-7.0pp | 80.3%-0.3pp |
| Annual return | 16.27% | 60.56%-44.3pp | 53.42%-37.2pp | 373.84%-357.6pp |
| Employer contribution / active EE | $19,457 | $7,597+156.1% | $6,790+186.5% | $4,755+309.2% |
| Participant deferral / active EE | $15,849 | $11,627+36.3% | $10,411+52.2% | $6,713+136.1% |
| Admin fee / account holder | $2,166 | $15,397-85.9% | $12,826-83.1% | $11,407-81.0% |