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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 | $349,893 | $117,904+196.8% | $102,457+241.5% | $145,978+139.7% |
| Participation rate | 90.9% | 78.6%+12.3pp | 76.5%+14.4pp | 80.3%+10.6pp |
| Annual return | 18.08% | 31.80%-13.7pp | 29.41%-11.3pp | 550.52%-532.4pp |
| Employer contribution / active EE | $4,946 | $3,613+36.9% | $3,022+63.6% | $4,662+6.1% |
| Participant deferral / active EE | $9,647 | $5,733+68.3% | $5,054+90.9% | $6,690+44.2% |
| Admin fee / account holder | $17,919 | $13,329+34.4% | $9,451+89.6% | $13,400+33.7% |