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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 | $912,521 | $171,492+432.1% | $150,734+505.4% | $198,609+359.5% |
| Participation rate | 75.0% | 81.4%-6.4pp | 78.4%-3.4pp | 82.4%-7.4pp |
| Annual return | 7.11% | 804.70%-797.6pp | 600.81%-593.7pp | 202.70%-195.6pp |
| Employer contribution / active EE | $3,813 | $5,470-30.3% | $4,918-22.5% | $5,055-24.6% |
| Participant deferral / active EE | $7,650 | $6,259+22.2% | $5,610+36.4% | $6,977+9.6% |
| Admin fee / account holder | $10,691 | $17,628-39.4% | $14,905-28.3% | $19,030-43.8% |