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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 | $294,712 | $110,240+167.3% | $96,544+205.3% | $139,487+111.3% |
| Participation rate | 81.3% | 78.1%+3.1pp | 76.0%+5.3pp | 80.3%+0.9pp |
| Annual return | 17.91% | 26.41%-8.5pp | 25.88%-8.0pp | 373.84%-355.9pp |
| Employer contribution / active EE | $6,791 | $3,622+87.5% | $2,966+128.9% | $4,755+42.8% |
| Participant deferral / active EE | $5,226 | $5,549-5.8% | $4,851+7.7% | $6,713-22.1% |
| Admin fee / account holder | $12,078 | $11,602+4.1% | $8,254+46.3% | $11,407+5.9% |