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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 | $272,840 | $181,896+50.0% | $156,551+74.3% | $273,972-0.4% |
| Participation rate | 83.3% | 88.4%-5.1pp | 84.0%-0.7pp | 83.0%+0.3pp |
| Annual return | 8.69% | 30.74%-22.1pp | 32.23%-23.5pp | 41.46%-32.8pp |
| Employer contribution / active EE | $25,459 | $6,248+307.5% | $5,501+362.8% | $4,869+422.9% |
| Participant deferral / active EE | $8,569 | $5,550+54.4% | $4,871+75.9% | $5,287+62.1% |
| Admin fee / account holder | $56,276 | $15,560+261.7% | $13,028+332.0% | $10,133+455.4% |