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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 | $260,000 | $254,759+2.1% | $216,567+20.1% | $198,609+30.9% |
| Participation rate | 91.7% | 84.5%+7.1pp | 81.6%+10.0pp | 82.4%+9.3pp |
| Annual return | 17.54% | 10.04%+7.5pp | 12.94%+4.6pp | 202.70%-185.2pp |
| Employer contribution / active EE | $3,635 | $6,096-40.4% | $5,216-30.3% | $5,055-28.1% |
| Participant deferral / active EE | $10,195 | $6,948+46.7% | $6,191+64.7% | $6,977+46.1% |
| Admin fee / account holder | $39,340 | $26,311+49.5% | $21,981+79.0% | $19,030+106.7% |