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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 | $495,312 | $107,666+360.0% | $102,184+384.7% | $154,746+220.1% |
| Participation rate | 75.0% | 83.7%-8.7pp | 82.6%-7.6pp | 80.7%-5.7pp |
| Annual return | 13.79% | 29.33%-15.5pp | 31.58%-17.8pp | 172.34%-158.6pp |
| Employer contribution / active EE | $1,406 | $3,846-63.5% | $3,594-60.9% | $4,379-67.9% |
| Participant deferral / active EE | $17,420 | $8,719+99.8% | $8,309+109.7% | $6,730+158.8% |
| Admin fee / account holder | $25,162 | $12,943+94.4% | $11,609+116.8% | $14,365+75.2% |