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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 | $290,997 | $95,959+203.3% | $97,411+198.7% | $138,895+109.5% |
| Participation rate | 94.7% | 81.8%+12.9pp | 80.4%+14.4pp | 79.9%+14.8pp |
| Annual return | 14.81% | 29.30%-14.5pp | 34.72%-19.9pp | 145.39%-130.6pp |
| Employer contribution / active EE | $3,049 | $4,278-28.7% | $4,210-27.6% | $4,194-27.3% |
| Participant deferral / active EE | $9,459 | $5,876+61.0% | $5,886+60.7% | $6,396+47.9% |
| Admin fee / account holder | $5,037 | $7,555-33.3% | $7,145-29.5% | $12,562-59.9% |