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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 | $343,890 | $136,860+151.3% | $120,344+185.8% | $154,746+122.2% |
| Participation rate | 84.6% | 79.9%+4.7pp | 76.7%+7.9pp | 80.7%+3.9pp |
| Annual return | 18.13% | 21.38%-3.3pp | 20.30%-2.2pp | 172.34%-154.2pp |
| Employer contribution / active EE | $1,560 | $3,533-55.8% | $3,020-48.3% | $4,379-64.4% |
| Participant deferral / active EE | $3,493 | $5,793-39.7% | $5,135-32.0% | $6,730-48.1% |
| Admin fee / account holder | $3,339 | $15,393-78.3% | $12,742-73.8% | $14,365-76.8% |