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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 | $260,878 | $118,488+120.2% | $98,462+165.0% | $139,487+87.0% |
| Participation rate | 90.0% | 77.5%+12.5pp | 75.2%+14.8pp | 80.3%+9.7pp |
| Annual return | 19.48% | 18.96%+0.5pp | 21.17%-1.7pp | 373.84%-354.4pp |
| Employer contribution / active EE | $7,385 | $3,611+104.5% | $3,049+142.2% | $4,755+55.3% |
| Participant deferral / active EE | $7,864 | $5,393+45.8% | $4,738+66.0% | $6,713+17.1% |
| Admin fee / account holder | $3,620 | $13,868-73.9% | $8,875-59.2% | $11,407-68.3% |