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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 | $284,979 | $124,425+129.0% | $112,040+154.4% | $137,256+107.6% |
| Participation rate | 84.6% | 79.3%+5.3pp | 76.5%+8.1pp | 80.0%+4.7pp |
| Annual return | 21.66% | 24.72%-3.1pp | 24.52%-2.9pp | 220.34%-198.7pp |
| Employer contribution / active EE | $6,732 | $3,411+97.3% | $2,954+127.9% | $4,156+62.0% |
| Participant deferral / active EE | $9,732 | $5,718+70.2% | $5,098+90.9% | $6,407+51.9% |
| Admin fee / account holder | $610 | $15,207-96.0% | $12,098-95.0% | $12,270-95.0% |