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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 | $287,163 | $199,109+44.2% | $173,730+65.3% | $154,746+85.6% |
| Participation rate | 72.2% | 82.8%-10.6pp | 79.6%-7.3pp | 80.7%-8.5pp |
| Annual return | 17.31% | 20.02%-2.7pp | 19.96%-2.6pp | 172.34%-155.0pp |
| Employer contribution / active EE | $4,600 | $5,311-13.4% | $4,577+0.5% | $4,379+5.0% |
| Participant deferral / active EE | $11,689 | $7,113+64.3% | $6,326+84.8% | $6,730+73.7% |
| Admin fee / account holder | $11,540 | $20,916-44.8% | $17,523-34.1% | $14,365-19.7% |