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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 | $922,890 | $136,860+574.3% | $120,344+666.9% | $154,746+496.4% |
| Participation rate | 80.0% | 79.9%+0.1pp | 76.7%+3.3pp | 80.7%-0.7pp |
| Annual return | 17.82% | 21.38%-3.6pp | 20.30%-2.5pp | 172.34%-154.5pp |
| Employer contribution / active EE | $3,262 | $3,533-7.7% | $3,020+8.0% | $4,379-25.5% |
| Participant deferral / active EE | $12,300 | $5,793+112.3% | $5,135+139.5% | $6,730+82.8% |
| Admin fee / account holder | $2,790 | $15,393-81.9% | $12,742-78.1% | $14,365-80.6% |