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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 | $407,958 | $124,330+228.1% | $109,173+273.7% | $167,536+143.5% |
| Participation rate | 75.0% | 79.5%-4.5pp | 75.9%-0.9pp | 82.1%-7.1pp |
| Annual return | 20.30% | 26.04%-5.7pp | 25.75%-5.5pp | 478.82%-458.5pp |
| Employer contribution / active EE | $9,625 | $4,209+128.7% | $3,723+158.5% | $4,839+98.9% |
| Participant deferral / active EE | $12,035 | $5,256+129.0% | $4,654+158.6% | $6,342+89.8% |
| Admin fee / account holder | $1,788 | $7,974-77.6% | $6,755-73.5% | $12,315-85.5% |