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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 | $347,229 | $155,555+123.2% | $146,866+136.4% | $155,188+123.7% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.5%-2.5pp | 80.8%-0.8pp |
| Annual return | 14.79% | 115.41%-100.6pp | 102.85%-88.1pp | 148.84%-134.1pp |
| Employer contribution / active EE | $1,636 | $4,647-64.8% | $4,425-63.0% | $4,248-61.5% |
| Participant deferral / active EE | $7,155 | $8,044-11.1% | $7,759-7.8% | $6,531+9.5% |
| Admin fee / account holder | $2,317 | $14,755-84.3% | $13,620-83.0% | $14,480-84.0% |