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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 | $310,051 | $139,948+121.5% | $121,663+154.8% | $154,746+100.4% |
| Participation rate | 92.3% | 78.0%+14.3pp | 74.5%+17.8pp | 80.7%+11.6pp |
| Annual return | 21.64% | 230.52%-208.9pp | 147.54%-125.9pp | 172.34%-150.7pp |
| Employer contribution / active EE | $2,115 | $3,521-39.9% | $3,020-30.0% | $4,379-51.7% |
| Participant deferral / active EE | $6,874 | $5,629+22.1% | $4,887+40.6% | $6,730+2.1% |
| Admin fee / account holder | $5,812 | $17,321-66.4% | $14,289-59.3% | $14,365-59.5% |