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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 | $364,372 | $124,425+192.8% | $112,040+225.2% | $137,256+165.5% |
| Participation rate | 75.0% | 79.3%-4.3pp | 76.5%-1.5pp | 80.0%-5.0pp |
| Annual return | 14.92% | 24.72%-9.8pp | 24.52%-9.6pp | 220.34%-205.4pp |
| Employer contribution / active EE | $3,653 | $3,411+7.1% | $2,954+23.7% | $4,156-12.1% |
| Participant deferral / active EE | $12,536 | $5,718+119.2% | $5,098+145.9% | $6,407+95.7% |
| Admin fee / account holder | $3,691 | $15,207-75.7% | $12,098-69.5% | $12,270-69.9% |