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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 | $417,218 | $115,931+259.9% | $185,441+125.0% | $86,983+379.7% |
| Participation rate | 88.0% | 73.6%+14.4pp | 80.3%+7.7pp | 69.5%+18.5pp |
| Annual return | 14.41% | 21.47%-7.1pp | 20.16%-5.8pp | 25.83%-11.4pp |
| Employer contribution / active EE | $4,973 | $2,937+69.3% | $4,672+6.4% | $2,584+92.4% |
| Participant deferral / active EE | $10,746 | $4,551+136.1% | $6,152+74.7% | $4,194+156.2% |
| Admin fee / account holder | $11,256 | $10,687+5.3% | $17,890-37.1% | $7,856+43.3% |