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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 | $403,551 | $201,344+100.4% | $184,243+119.0% | $145,877+176.6% |
| Participation rate | 83.3% | 87.5%-4.2pp | 86.8%-3.5pp | 80.3%+3.0pp |
| Annual return | 15.00% | 29.01%-14.0pp | 28.82%-13.8pp | 551.28%-536.3pp |
| Employer contribution / active EE | $13,107 | $7,022+86.6% | $6,427+103.9% | $4,663+181.1% |
| Participant deferral / active EE | $6,662 | $9,807-32.1% | $9,132-27.0% | $6,691-0.4% |
| Admin fee / account holder | $5,394 | $16,382-67.1% | $13,914-61.2% | $13,402-59.8% |