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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 | $391,999 | $201,370+94.7% | $184,256+112.7% | $145,897+168.7% |
| Participation rate | 92.9% | 87.5%+5.4pp | 86.8%+6.0pp | 80.3%+12.6pp |
| Annual return | 28.61% | 29.05%-0.4pp | 28.85%-0.2pp | 552.29%-523.7pp |
| Employer contribution / active EE | $5,692 | $7,024-19.0% | $6,427-11.4% | $4,663+22.1% |
| Participant deferral / active EE | $5,455 | $9,808-44.4% | $9,133-40.3% | $6,689-18.4% |
| Admin fee / account holder | $413 | $16,364-97.5% | $13,899-97.0% | $13,390-96.9% |