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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 | $274,475 | $124,425+120.6% | $112,040+145.0% | $137,256+100.0% |
| Participation rate | 88.9% | 79.3%+9.6pp | 76.5%+12.4pp | 80.0%+8.9pp |
| Annual return | 19.43% | 24.72%-5.3pp | 24.52%-5.1pp | 220.34%-200.9pp |
| Employer contribution / active EE | $12,069 | $3,411+253.8% | $2,954+308.6% | $4,156+190.4% |
| Participant deferral / active EE | $12,268 | $5,718+114.5% | $5,098+140.7% | $6,407+91.5% |
| Admin fee / account holder | $12,411 | $15,207-18.4% | $12,098+2.6% | $12,270+1.2% |