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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 | $362,954 | $167,415+116.8% | $140,514+158.3% | $198,609+82.7% |
| Participation rate | 100.0% | 80.9%+19.1pp | 77.8%+22.2pp | 82.4%+17.6pp |
| Annual return | 14.77% | 13.85%+0.9pp | 14.36%+0.4pp | 202.70%-187.9pp |
| Employer contribution / active EE | $3,745 | $4,088-8.4% | $3,378+10.8% | $5,055-25.9% |
| Participant deferral / active EE | $11,664 | $5,579+109.1% | $4,919+137.1% | $6,977+67.2% |
| Admin fee / account holder | $955 | $16,730-94.3% | $13,697-93.0% | $19,030-95.0% |