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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 | $280,190 | $106,247+163.7% | $96,515+190.3% | $139,466+100.9% |
| Participation rate | 80.0% | 77.8%+2.2pp | 74.3%+5.7pp | 80.3%-0.3pp |
| Annual return | 18.84% | 38.47%-19.6pp | 35.73%-16.9pp | 373.66%-354.8pp |
| Employer contribution / active EE | $3,017 | $4,106-26.5% | $3,740-19.3% | $4,754-36.5% |
| Participant deferral / active EE | $10,354 | $5,456+89.8% | $4,880+112.2% | $6,712+54.3% |
| Admin fee / account holder | $2,497 | $7,885-68.3% | $6,735-62.9% | $11,409-78.1% |