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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 | $275,676 | $184,014+49.8% | $161,149+71.1% | $138,895+98.5% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 12.12% | 21.52%-9.4pp | 21.16%-9.0pp | 145.39%-133.3pp |
| Employer contribution / active EE | $4,945 | $5,055-2.2% | $4,360+13.4% | $4,194+17.9% |
| Participant deferral / active EE | $11,726 | $6,909+69.7% | $6,153+90.6% | $6,396+83.3% |
| Admin fee / account holder | $593 | $18,027-96.7% | $15,194-96.1% | $12,562-95.3% |