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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 | $311,215 | $181,896+71.1% | $156,551+98.8% | $273,972+13.6% |
| Participation rate | 90.9% | 88.4%+2.5pp | 84.0%+6.9pp | 83.0%+7.9pp |
| Annual return | 6.55% | 30.74%-24.2pp | 32.23%-25.7pp | 41.46%-34.9pp |
| Employer contribution / active EE | $9,545 | $6,248+52.8% | $5,501+73.5% | $4,869+96.1% |
| Participant deferral / active EE | $6,617 | $5,550+19.2% | $4,871+35.9% | $5,287+25.2% |
| Admin fee / account holder | $340 | $15,560-97.8% | $13,028-97.4% | $10,133-96.6% |