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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 | $327,712 | $100,970+224.6% | $96,576+239.3% | $137,256+138.8% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 17.81% | 38.16%-20.4pp | 38.47%-20.7pp | 220.34%-202.5pp |
| Employer contribution / active EE | $2,359 | $3,809-38.1% | $3,553-33.6% | $4,156-43.2% |
| Participant deferral / active EE | $8,846 | $8,286+6.8% | $7,956+11.2% | $6,407+38.1% |
| Admin fee / account holder | $1,615 | $11,312-85.7% | $11,381-85.8% | $12,270-86.8% |