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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 | $342,790 | $153,769+122.9% | $133,975+155.9% | $273,972+25.1% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 12.69% | 36.51%-23.8pp | 29.29%-16.6pp | 41.46%-28.8pp |
| Employer contribution / active EE | $12,873 | $6,029+113.5% | $5,211+147.0% | $4,869+164.4% |
| Participant deferral / active EE | $14,325 | $6,958+105.9% | $6,282+128.0% | $5,287+170.9% |
| Admin fee / account holder | $942 | $11,765-92.0% | $9,324-89.9% | $10,133-90.7% |