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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 | $301,007 | $199,109+51.2% | $173,730+73.3% | $154,746+94.5% |
| Participation rate | 87.5% | 82.8%+4.7pp | 79.6%+7.9pp | 80.7%+6.8pp |
| Annual return | 11.19% | 20.02%-8.8pp | 19.96%-8.8pp | 172.34%-161.1pp |
| Employer contribution / active EE | $3,512 | $5,311-33.9% | $4,577-23.3% | $4,379-19.8% |
| Participant deferral / active EE | $12,706 | $7,113+78.6% | $6,326+100.8% | $6,730+88.8% |
| Admin fee / account holder | $2,527 | $20,916-87.9% | $17,523-85.6% | $14,365-82.4% |