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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 | $443,870 | $135,956+226.5% | $123,894+258.3% | $273,972+62.0% |
| Participation rate | 85.7% | 84.1%+1.7pp | 81.4%+4.3pp | 83.0%+2.7pp |
| Annual return | 6.71% | 56.63%-49.9pp | 47.52%-40.8pp | 41.46%-34.7pp |
| Employer contribution / active EE | $5,309 | $5,170+2.7% | $4,617+15.0% | $4,869+9.0% |
| Participant deferral / active EE | $7,665 | $6,343+20.8% | $5,984+28.1% | $5,287+45.0% |
| Admin fee / account holder | $11,138 | $9,817+13.5% | $8,357+33.3% | $10,133+9.9% |