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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 | $613,763 | $181,896+237.4% | $156,551+292.1% | $273,972+124.0% |
| Participation rate | 83.3% | 88.4%-5.1pp | 84.0%-0.7pp | 83.0%+0.3pp |
| Annual return | 7.50% | 30.74%-23.2pp | 32.23%-24.7pp | 41.46%-34.0pp |
| Employer contribution / active EE | $13,483 | $6,248+115.8% | $5,501+145.1% | $4,869+176.9% |
| Participant deferral / active EE | $12,817 | $5,550+130.9% | $4,871+163.1% | $5,287+142.4% |
| Admin fee / account holder | $2,974 | $15,560-80.9% | $13,028-77.2% | $10,133-70.7% |