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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 | $314,970 | $181,896+73.2% | $156,551+101.2% | $273,972+15.0% |
| Participation rate | 83.3% | 88.4%-5.1pp | 84.0%-0.7pp | 83.0%+0.3pp |
| Annual return | 7.16% | 30.74%-23.6pp | 32.23%-25.1pp | 41.46%-34.3pp |
| Employer contribution / active EE | $6,811 | $6,248+9.0% | $5,501+23.8% | $4,869+39.9% |
| Participant deferral / active EE | $5,875 | $5,550+5.8% | $4,871+20.6% | $5,287+11.1% |
| Admin fee / account holder | $4,735 | $15,560-69.6% | $13,028-63.7% | $10,133-53.3% |