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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 | $382,461 | $201,264+90.0% | $184,185+107.7% | $145,978+162.0% |
| Participation rate | 86.7% | 87.5%-0.8pp | 86.8%-0.2pp | 80.3%+6.4pp |
| Annual return | 13.60% | 29.00%-15.4pp | 28.81%-15.2pp | 550.52%-536.9pp |
| Employer contribution / active EE | $26,986 | $7,021+284.4% | $6,426+320.0% | $4,662+478.9% |
| Participant deferral / active EE | $15,493 | $9,806+58.0% | $9,132+69.7% | $6,690+131.6% |
| Admin fee / account holder | $2,056 | $16,376-87.4% | $13,909-85.2% | $13,400-84.7% |