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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 | $359,161 | $155,555+130.9% | $146,866+144.6% | $155,188+131.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 14.39% | 115.41%-101.0pp | 102.85%-88.5pp | 148.84%-134.4pp |
| Employer contribution / active EE | $3,232 | $4,647-30.5% | $4,425-27.0% | $4,248-23.9% |
| Participant deferral / active EE | $6,721 | $8,044-16.5% | $7,759-13.4% | $6,531+2.9% |
| Admin fee / account holder | $2,072 | $14,755-86.0% | $13,620-84.8% | $14,480-85.7% |