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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 | $384,873 | $155,555+147.4% | $146,866+162.1% | $155,188+148.0% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.5%+5.0pp | 80.8%+6.7pp |
| Annual return | 13.94% | 115.41%-101.5pp | 102.85%-88.9pp | 148.84%-134.9pp |
| Employer contribution / active EE | $4,006 | $4,647-13.8% | $4,425-9.5% | $4,248-5.7% |
| Participant deferral / active EE | $15,164 | $8,044+88.5% | $7,759+95.4% | $6,531+132.2% |
| Admin fee / account holder | $5,541 | $14,755-62.4% | $13,620-59.3% | $14,480-61.7% |