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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 | $281,602 | $145,431+93.6% | $211,142+33.4% | $87,485+221.9% |
| Participation rate | 88.9% | 84.7%+4.1pp | 87.3%+1.6pp | 68.9%+20.0pp |
| Annual return | 31.26% | 27.21%+4.1pp | 46.84%-15.6pp | 26.06%+5.2pp |
| Employer contribution / active EE | $20,212 | $4,662+333.6% | $6,442+213.8% | $2,596+678.5% |
| Participant deferral / active EE | $21,760 | $6,859+217.3% | $9,284+134.4% | $4,274+409.2% |
| Admin fee / account holder | $8,326 | $17,052-51.2% | $19,076-56.4% | $7,775+7.1% |