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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 | $377,368 | $124,425+203.3% | $112,040+236.8% | $137,256+174.9% |
| Participation rate | 94.1% | 79.3%+14.8pp | 76.5%+17.6pp | 80.0%+14.2pp |
| Annual return | 16.90% | 24.72%-7.8pp | 24.52%-7.6pp | 220.34%-203.4pp |
| Employer contribution / active EE | $11,978 | $3,411+251.1% | $2,954+305.5% | $4,156+188.2% |
| Participant deferral / active EE | $9,318 | $5,718+62.9% | $5,098+82.8% | $6,407+45.4% |
| Admin fee / account holder | $7,142 | $15,207-53.0% | $12,098-41.0% | $12,270-41.8% |