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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 | $126,661+187.7% | $113,397+221.3% | $138,895+162.3% |
| Participation rate | 75.0% | 79.4%-4.4pp | 76.5%-1.5pp | 79.9%-4.9pp |
| Annual return | 14.92% | 25.05%-10.1pp | 23.20%-8.3pp | 145.39%-130.5pp |
| Employer contribution / active EE | $3,653 | $3,456+5.7% | $2,977+22.7% | $4,194-12.9% |
| Participant deferral / active EE | $12,536 | $5,693+120.2% | $5,076+146.9% | $6,396+96.0% |
| Admin fee / account holder | $3,691 | $14,549-74.6% | $11,957-69.1% | $12,562-70.6% |