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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 | $328,447 | $117,895+178.6% | $102,460+220.6% | $145,897+125.1% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 15.21% | 31.92%-16.7pp | 29.47%-14.3pp | 552.29%-537.1pp |
| Employer contribution / active EE | $4,160 | $3,619+15.0% | $3,025+37.5% | $4,663-10.8% |
| Participant deferral / active EE | $6,370 | $5,736+11.0% | $5,056+26.0% | $6,689-4.8% |
| Admin fee / account holder | $1,457 | $13,353-89.1% | $9,460-84.6% | $13,390-89.1% |