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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 | $146,267+92.5% | $197,124+42.9% | $82,448+241.6% |
| Participation rate | 88.9% | 84.0%+4.9pp | 86.7%+2.2pp | 68.1%+20.8pp |
| Annual return | 31.26% | 29.61%+1.7pp | 44.34%-13.1pp | 41.64%-10.4pp |
| Employer contribution / active EE | $20,212 | $4,723+327.9% | $6,227+224.6% | $2,551+692.3% |
| Participant deferral / active EE | $21,760 | $7,035+209.3% | $9,135+138.2% | $4,139+425.7% |
| Admin fee / account holder | $8,326 | $14,422-42.3% | $16,298-48.9% | $7,234+15.1% |