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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 | $400,417 | $124,425+221.8% | $112,040+257.4% | $137,256+191.7% |
| Participation rate | 90.0% | 79.3%+10.7pp | 76.5%+13.5pp | 80.0%+10.0pp |
| Annual return | 16.58% | 24.72%-8.1pp | 24.52%-7.9pp | 220.34%-203.8pp |
| Employer contribution / active EE | $5,201 | $3,411+52.5% | $2,954+76.1% | $4,156+25.1% |
| Participant deferral / active EE | $8,138 | $5,718+42.3% | $5,098+59.6% | $6,407+27.0% |
| Admin fee / account holder | $3,591 | $15,207-76.4% | $12,098-70.3% | $12,270-70.7% |