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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 | $405,349 | $254,759+59.1% | $216,567+87.2% | $198,609+104.1% |
| Participation rate | 90.0% | 84.5%+5.5pp | 81.6%+8.4pp | 82.4%+7.6pp |
| Annual return | 9.51% | 10.04%-0.5pp | 12.94%-3.4pp | 202.70%-193.2pp |
| Employer contribution / active EE | $0 | $6,096-100.0% | $5,216-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $6,072 | $6,948-12.6% | $6,191-1.9% | $6,977-13.0% |
| Admin fee / account holder | $17,749 | $26,311-32.5% | $21,981-19.3% | $19,030-6.7% |