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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 | $211,288+132.8% | $178,540+175.5% | $145,884+237.2% |
| Participation rate | 80.0% | 80.8%-0.8pp | 77.1%+2.9pp | 80.3%-0.3pp |
| Annual return | 17.35% | 30.27%-12.9pp | 27.15%-9.8pp | 551.85%-534.5pp |
| Employer contribution / active EE | $7,066 | $4,574+54.5% | $3,953+78.7% | $4,662+51.5% |
| Participant deferral / active EE | $23,700 | $6,967+240.2% | $6,281+277.4% | $6,690+254.3% |
| Admin fee / account holder | $107,169 | $12,105+785.3% | $10,424+928.1% | $13,392+700.3% |