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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 | $382,573 | $124,980+206.1% | $108,359+253.1% | $154,746+147.2% |
| Participation rate | 83.3% | 75.2%+8.2pp | 70.1%+13.2pp | 80.7%+2.6pp |
| Annual return | 14.30% | 45.00%-30.7pp | 36.89%-22.6pp | 172.34%-158.0pp |
| Employer contribution / active EE | $2,482 | $2,851-12.9% | $2,399+3.4% | $4,379-43.3% |
| Participant deferral / active EE | $8,992 | $4,743+89.6% | $4,137+117.4% | $6,730+33.6% |
| Admin fee / account holder | $1,177 | $11,502-89.8% | $9,741-87.9% | $14,365-91.8% |