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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 | $310,499 | $254,759+21.9% | $216,567+43.4% | $198,609+56.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 81.6%+18.4pp | 82.4%+17.6pp |
| Annual return | 13.87% | 10.04%+3.8pp | 12.94%+0.9pp | 202.70%-188.8pp |
| Employer contribution / active EE | $5,921 | $6,096-2.9% | $5,216+13.5% | $5,055+17.1% |
| Participant deferral / active EE | $17,074 | $6,948+145.7% | $6,191+175.8% | $6,977+144.7% |
| Admin fee / account holder | $11,792 | $26,311-55.2% | $21,981-46.4% | $19,030-38.0% |