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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 | $599,464 | $138,312+333.4% | $122,979+387.5% | $155,188+286.3% |
| Participation rate | 80.0% | 80.2%-0.2pp | 77.2%+2.8pp | 80.8%-0.8pp |
| Annual return | 14.26% | 22.06%-7.8pp | 20.12%-5.9pp | 148.84%-134.6pp |
| Employer contribution / active EE | $4,186 | $3,530+18.6% | $3,062+36.7% | $4,248-1.5% |
| Participant deferral / active EE | $15,367 | $5,592+174.8% | $5,003+207.1% | $6,531+135.3% |
| Admin fee / account holder | $11,615 | $15,089-23.0% | $12,864-9.7% | $14,480-19.8% |