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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 | $311,023 | $110,410+181.7% | $102,437+203.6% | $145,897+113.2% |
| Participation rate | 86.7% | 77.9%+8.7pp | 74.5%+12.2pp | 80.3%+6.4pp |
| Annual return | 14.01% | 24.85%-10.8pp | 24.95%-10.9pp | 552.29%-538.3pp |
| Employer contribution / active EE | $3,231 | $4,217-23.4% | $3,871-16.5% | $4,663-30.7% |
| Participant deferral / active EE | $10,607 | $5,622+88.7% | $5,060+109.6% | $6,689+58.6% |
| Admin fee / account holder | $2,619 | $9,745-73.1% | $8,388-68.8% | $13,390-80.4% |