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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 | $254,956 | $123,478+106.5% | $216,567+17.7% | $94,015+171.2% |
| Participation rate | 83.3% | 75.1%+8.2pp | 81.6%+1.7pp | 70.8%+12.5pp |
| Annual return | 13.52% | 23.61%-10.1pp | 12.94%+0.6pp | 17.84%-4.3pp |
| Employer contribution / active EE | $2,754 | $3,136-12.2% | $5,216-47.2% | $2,790-1.3% |
| Participant deferral / active EE | $6,151 | $4,556+35.0% | $6,191-0.6% | $4,249+44.8% |
| Admin fee / account holder | $21,378 | $12,753+67.6% | $21,981-2.7% | $8,951+138.8% |