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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 | $388,688 | $124,425+212.4% | $112,040+246.9% | $137,256+183.2% |
| Participation rate | 90.0% | 79.3%+10.7pp | 76.5%+13.5pp | 80.0%+10.0pp |
| Annual return | 14.67% | 24.72%-10.1pp | 24.52%-9.9pp | 220.34%-205.7pp |
| Employer contribution / active EE | $3,956 | $3,411+16.0% | $2,954+33.9% | $4,156-4.8% |
| Participant deferral / active EE | $6,906 | $5,718+20.8% | $5,098+35.5% | $6,407+7.8% |
| Admin fee / account holder | $1,853 | $15,207-87.8% | $12,098-84.7% | $12,270-84.9% |