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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 | $506,450 | $199,109+154.4% | $173,730+191.5% | $154,746+227.3% |
| Participation rate | 83.3% | 82.8%+0.5pp | 79.6%+3.8pp | 80.7%+2.6pp |
| Annual return | 16.82% | 20.02%-3.2pp | 19.96%-3.1pp | 172.34%-155.5pp |
| Employer contribution / active EE | $2,310 | $5,311-56.5% | $4,577-49.5% | $4,379-47.2% |
| Participant deferral / active EE | $10,584 | $7,113+48.8% | $6,326+67.3% | $6,730+57.3% |
| Admin fee / account holder | $19,313 | $20,916-7.7% | $17,523+10.2% | $14,365+34.4% |