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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 | $491,913 | $211,105+133.0% | $178,449+175.7% | $145,978+237.0% |
| Participation rate | 80.0% | 80.8%-0.8pp | 77.1%+2.9pp | 80.3%-0.3pp |
| Annual return | 17.35% | 30.19%-12.8pp | 27.09%-9.7pp | 550.52%-533.2pp |
| Employer contribution / active EE | $7,066 | $4,569+54.7% | $3,951+78.8% | $4,662+51.6% |
| Participant deferral / active EE | $23,700 | $6,959+240.6% | $6,277+277.6% | $6,690+254.3% |
| Admin fee / account holder | $107,169 | $12,017+791.8% | $10,362+934.3% | $13,400+699.8% |