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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 | $354,418 | $184,014+92.6% | $161,149+119.9% | $138,895+155.2% |
| Participation rate | 71.4% | 82.1%-10.6pp | 78.8%-7.4pp | 79.9%-8.5pp |
| Annual return | 13.92% | 21.52%-7.6pp | 21.16%-7.2pp | 145.39%-131.5pp |
| Employer contribution / active EE | $2,991 | $5,055-40.8% | $4,360-31.4% | $4,194-28.7% |
| Participant deferral / active EE | $10,556 | $6,909+52.8% | $6,153+71.6% | $6,396+65.0% |
| Admin fee / account holder | $1,630 | $18,027-91.0% | $15,194-89.3% | $12,562-87.0% |