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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 | $485,055 | $138,312+250.7% | $122,979+294.4% | $155,188+212.6% |
| Participation rate | 83.3% | 80.2%+3.1pp | 77.2%+6.1pp | 80.8%+2.5pp |
| Annual return | 16.32% | 22.06%-5.7pp | 20.12%-3.8pp | 148.84%-132.5pp |
| Employer contribution / active EE | $4,199 | $3,530+18.9% | $3,062+37.1% | $4,248-1.1% |
| Participant deferral / active EE | $11,069 | $5,592+97.9% | $5,003+121.3% | $6,531+69.5% |
| Admin fee / account holder | $8,728 | $15,089-42.2% | $12,864-32.2% | $14,480-39.7% |