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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 | $259,300 | $135,956+90.7% | $123,894+109.3% | $273,972-5.4% |
| Participation rate | 90.0% | 84.1%+5.9pp | 81.4%+8.6pp | 83.0%+7.0pp |
| Annual return | 10.53% | 56.63%-46.1pp | 47.52%-37.0pp | 41.46%-30.9pp |
| Employer contribution / active EE | $4,726 | $5,170-8.6% | $4,617+2.4% | $4,869-2.9% |
| Participant deferral / active EE | $7,382 | $6,343+16.4% | $5,984+23.4% | $5,287+39.6% |
| Admin fee / account holder | $2,719 | $9,817-72.3% | $8,357-67.5% | $10,133-73.2% |