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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 | $263,583 | $102,609+156.9% | $98,090+168.7% | $138,895+89.8% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 17.72% | 36.44%-18.7pp | 37.05%-19.3pp | 145.39%-127.7pp |
| Employer contribution / active EE | $5,040 | $3,867+30.3% | $3,606+39.8% | $4,194+20.2% |
| Participant deferral / active EE | $10,186 | $8,167+24.7% | $7,845+29.8% | $6,396+59.2% |
| Admin fee / account holder | $4,315 | $11,434-62.3% | $11,815-63.5% | $12,562-65.7% |