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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 | $286,055 | $153,769+86.0% | $133,975+113.5% | $273,972+4.4% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 10.52% | 36.51%-26.0pp | 29.29%-18.8pp | 41.46%-30.9pp |
| Employer contribution / active EE | $42,883 | $6,029+611.3% | $5,211+722.9% | $4,869+780.8% |
| Participant deferral / active EE | $16,154 | $6,958+132.1% | $6,282+157.2% | $5,287+205.5% |
| Admin fee / account holder | $8,391 | $11,765-28.7% | $9,324-10.0% | $10,133-17.2% |