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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 | $287,219 | $155,555+84.6% | $146,866+95.6% | $155,188+85.1% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.5%+5.0pp | 80.8%+6.7pp |
| Annual return | 15.55% | 115.41%-99.9pp | 102.85%-87.3pp | 148.84%-133.3pp |
| Employer contribution / active EE | $3,421 | $4,647-26.4% | $4,425-22.7% | $4,248-19.5% |
| Participant deferral / active EE | $15,702 | $8,044+95.2% | $7,759+102.4% | $6,531+140.4% |
| Admin fee / account holder | $5,831 | $14,755-60.5% | $13,620-57.2% | $14,480-59.7% |