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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 | $271,907 | $181,896+49.5% | $156,551+73.7% | $273,972-0.8% |
| Participation rate | 92.3% | 88.4%+3.9pp | 84.0%+8.3pp | 83.0%+9.3pp |
| Annual return | 8.20% | 30.74%-22.5pp | 32.23%-24.0pp | 41.46%-33.3pp |
| Employer contribution / active EE | $7,358 | $6,248+17.8% | $5,501+33.7% | $4,869+51.1% |
| Participant deferral / active EE | $3,270 | $5,550-41.1% | $4,871-32.9% | $5,287-38.2% |
| Admin fee / account holder | $12,918 | $15,560-17.0% | $13,028-0.8% | $10,133+27.5% |