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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 | $310,341 | $139,948+121.8% | $121,663+155.1% | $154,746+100.5% |
| Participation rate | 80.0% | 78.0%+2.0pp | 74.5%+5.5pp | 80.7%-0.7pp |
| Annual return | 13.25% | 230.52%-217.3pp | 147.54%-134.3pp | 172.34%-159.1pp |
| Employer contribution / active EE | $14,788 | $3,521+320.0% | $3,020+389.7% | $4,379+237.7% |
| Participant deferral / active EE | $10,278 | $5,629+82.6% | $4,887+110.3% | $6,730+52.7% |
| Admin fee / account holder | $4,777 | $17,321-72.4% | $14,289-66.6% | $14,365-66.7% |