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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 | $286,116 | $174,379+64.1% | $152,093+88.1% | $138,895+106.0% |
| Participation rate | 77.8% | 81.6%-3.9pp | 77.8%0pp | 79.9%-2.1pp |
| Annual return | 18.93% | 74.86%-55.9pp | 66.36%-47.4pp | 145.39%-126.5pp |
| Employer contribution / active EE | $1,797 | $4,652-61.4% | $4,175-57.0% | $4,194-57.2% |
| Participant deferral / active EE | $6,922 | $6,159+12.4% | $5,451+27.0% | $6,396+8.2% |
| Admin fee / account holder | $884 | $16,880-94.8% | $14,497-93.9% | $12,562-93.0% |