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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 | $451,723 | $153,769+193.8% | $133,975+237.2% | $273,972+64.9% |
| Participation rate | 85.7% | 88.4%-2.7pp | 87.1%-1.4pp | 83.0%+2.7pp |
| Annual return | 7.81% | 36.51%-28.7pp | 29.29%-21.5pp | 41.46%-33.6pp |
| Employer contribution / active EE | $8,461 | $6,029+40.4% | $5,211+62.4% | $4,869+73.8% |
| Participant deferral / active EE | $12,131 | $6,958+74.3% | $6,282+93.1% | $5,287+129.4% |
| Admin fee / account holder | $367 | $11,765-96.9% | $9,324-96.1% | $10,133-96.4% |