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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 | $126,661+373.3% | $113,397+428.6% | $138,895+331.6% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.5%+3.5pp | 79.9%+0.1pp |
| Annual return | 14.26% | 25.05%-10.8pp | 23.20%-8.9pp | 145.39%-131.1pp |
| Employer contribution / active EE | $4,186 | $3,456+21.1% | $2,977+40.6% | $4,194-0.2% |
| Participant deferral / active EE | $15,367 | $5,693+169.9% | $5,076+202.7% | $6,396+140.2% |
| Admin fee / account holder | $11,615 | $14,549-20.2% | $11,957-2.9% | $12,562-7.5% |