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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 | $417,334 | $154,228+170.6% | $145,433+187.0% | $137,256+204.1% |
| Participation rate | 71.4% | 83.8%-12.4pp | 82.1%-10.7pp | 80.0%-8.5pp |
| Annual return | 17.26% | 74.59%-57.3pp | 66.58%-49.3pp | 220.34%-203.1pp |
| Employer contribution / active EE | $1,777 | $4,804-63.0% | $4,554-61.0% | $4,156-57.2% |
| Participant deferral / active EE | $5,636 | $8,216-31.4% | $7,897-28.6% | $6,407-12.0% |
| Admin fee / account holder | $19,894 | $14,344+38.7% | $13,129+51.5% | $12,270+62.1% |