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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 | $339,728 | $104,251+225.9% | $91,004+273.3% | $147,586+130.2% |
| Participation rate | 83.3% | 78.2%+5.1pp | 75.6%+7.7pp | 82.8%+0.5pp |
| Annual return | 14.07% | 27.06%-13.0pp | 4.60%+9.5pp | 578.59%-564.5pp |
| Employer contribution / active EE | $1,235 | $3,116-60.4% | $2,456-49.7% | $4,876-74.7% |
| Participant deferral / active EE | $8,824 | $4,195+110.4% | $3,548+148.7% | $5,439+62.2% |
| Admin fee / account holder | $3,918 | $8,948-56.2% | $5,417-27.7% | $10,886-64.0% |