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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 | $275,523 | $199,109+38.4% | $173,730+58.6% | $154,746+78.0% |
| Participation rate | 83.3% | 82.8%+0.5pp | 79.6%+3.8pp | 80.7%+2.6pp |
| Annual return | 11.71% | 20.02%-8.3pp | 19.96%-8.2pp | 172.34%-160.6pp |
| Employer contribution / active EE | $7,511 | $5,311+41.4% | $4,577+64.1% | $4,379+71.5% |
| Participant deferral / active EE | $11,553 | $7,113+62.4% | $6,326+82.6% | $6,730+71.6% |
| Admin fee / account holder | $46,688 | $20,916+123.2% | $17,523+166.4% | $14,365+225.0% |