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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 | $377,408 | $136,860+175.8% | $120,344+213.6% | $154,746+143.9% |
| Participation rate | 75.0% | 79.9%-4.9pp | 76.7%-1.7pp | 80.7%-5.7pp |
| Annual return | 9.41% | 21.38%-12.0pp | 20.30%-10.9pp | 172.34%-162.9pp |
| Employer contribution / active EE | $1,848 | $3,533-47.7% | $3,020-38.8% | $4,379-57.8% |
| Participant deferral / active EE | $11,209 | $5,793+93.5% | $5,135+118.3% | $6,730+66.5% |
| Admin fee / account holder | $1,957 | $15,393-87.3% | $12,742-84.6% | $14,365-86.4% |