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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 | $367,808 | $213,785+72.0% | $185,441+98.3% | $155,188+137.0% |
| Participation rate | 87.5% | 83.2%+4.3pp | 80.3%+7.2pp | 80.8%+6.7pp |
| Annual return | 17.22% | 19.97%-2.7pp | 20.16%-2.9pp | 148.84%-131.6pp |
| Employer contribution / active EE | $15,122 | $5,393+180.4% | $4,672+223.6% | $4,248+256.0% |
| Participant deferral / active EE | $10,788 | $6,864+57.2% | $6,152+75.4% | $6,531+65.2% |
| Admin fee / account holder | $9,214 | $21,134-56.4% | $17,890-48.5% | $14,480-36.4% |