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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 | $493,946 | $175,231+181.9% | $149,696+230.0% | $139,466+254.2% |
| Participation rate | 75.0% | 83.4%-8.4pp | 78.8%-3.8pp | 80.3%-5.3pp |
| Annual return | 18.40% | 166.77%-148.4pp | 134.46%-116.1pp | 373.66%-355.3pp |
| Employer contribution / active EE | $6,514 | $5,478+18.9% | $4,821+35.1% | $4,754+37.0% |
| Participant deferral / active EE | $5,501 | $6,521-15.6% | $5,682-3.2% | $6,712-18.0% |
| Admin fee / account holder | $2,777 | $16,155-82.8% | $13,212-79.0% | $11,409-75.7% |