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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 | $418,965 | $162,967+157.1% | $135,792+208.5% | $138,895+201.6% |
| Participation rate | 77.8% | 78.3%-0.5pp | 72.6%+5.2pp | 79.9%-2.1pp |
| Annual return | 23.83% | 30.08%-6.2pp | 25.96%-2.1pp | 145.39%-121.6pp |
| Employer contribution / active EE | $1,583 | $4,211-62.4% | $3,496-54.7% | $4,194-62.3% |
| Participant deferral / active EE | $11,631 | $5,640+106.2% | $4,759+144.4% | $6,396+81.8% |
| Admin fee / account holder | $20,295 | $15,306+32.6% | $12,266+65.5% | $12,562+61.6% |