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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 | $199,109+103.6% | $173,730+133.3% | $154,746+161.9% |
| Participation rate | 90.0% | 82.8%+7.2pp | 79.6%+10.4pp | 80.7%+9.3pp |
| Annual return | 9.51% | 20.02%-10.5pp | 19.96%-10.4pp | 172.34%-162.8pp |
| Employer contribution / active EE | $0 | $5,311-100.0% | $4,577-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $6,072 | $7,113-14.6% | $6,326-4.0% | $6,730-9.8% |
| Admin fee / account holder | $17,749 | $20,916-15.1% | $17,523+1.3% | $14,365+23.6% |