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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 | $273,278 | $117,846+131.9% | $102,434+166.8% | $145,884+87.3% |
| Participation rate | 84.6% | 78.6%+6.0pp | 76.5%+8.1pp | 80.3%+4.3pp |
| Annual return | 14.78% | 31.90%-17.1pp | 29.46%-14.7pp | 551.85%-537.1pp |
| Employer contribution / active EE | $4,714 | $3,615+30.4% | $3,023+55.9% | $4,662+1.1% |
| Participant deferral / active EE | $6,999 | $5,733+22.1% | $5,055+38.5% | $6,690+4.6% |
| Admin fee / account holder | $8,505 | $13,356-36.3% | $9,462-10.1% | $13,392-36.5% |