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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 | $564,606 | $102,609+450.2% | $98,090+475.6% | $138,895+306.5% |
| Participation rate | 71.4% | 82.8%-11.3pp | 81.5%-10.1pp | 79.9%-8.5pp |
| Annual return | 12.49% | 36.44%-23.9pp | 37.05%-24.6pp | 145.39%-132.9pp |
| Employer contribution / active EE | $3,335 | $3,867-13.8% | $3,606-7.5% | $4,194-20.5% |
| Participant deferral / active EE | $15,353 | $8,167+88.0% | $7,845+95.7% | $6,396+140.0% |
| Admin fee / account holder | $45,402 | $11,434+297.1% | $11,815+284.3% | $12,562+261.4% |