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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 | $279,207 | $115,225+142.3% | $100,712+177.2% | $138,895+101.0% |
| Participation rate | 91.7% | 74.3%+17.3pp | 69.3%+22.4pp | 79.9%+11.7pp |
| Annual return | 15.52% | 40.35%-24.8pp | 33.27%-17.8pp | 145.39%-129.9pp |
| Employer contribution / active EE | $4,774 | $2,771+72.3% | $2,313+106.4% | $4,194+13.8% |
| Participant deferral / active EE | $7,085 | $4,699+50.8% | $4,085+73.4% | $6,396+10.8% |
| Admin fee / account holder | $7,615 | $10,844-29.8% | $9,256-17.7% | $12,562-39.4% |