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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 | $322,840 | $110,212+192.9% | $96,534+234.4% | $139,466+131.5% |
| Participation rate | 87.5% | 78.1%+9.4pp | 76.0%+11.5pp | 80.3%+7.2pp |
| Annual return | 22.80% | 26.42%-3.6pp | 25.88%-3.1pp | 373.66%-350.9pp |
| Employer contribution / active EE | $15,367 | $3,620+324.5% | $2,965+418.2% | $4,754+223.2% |
| Participant deferral / active EE | $21,125 | $5,547+280.8% | $4,851+335.5% | $6,712+214.7% |
| Admin fee / account holder | $1,222 | $11,599-89.5% | $8,253-85.2% | $11,409-89.3% |