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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 | $126,661+283.0% | $113,397+327.8% | $138,895+249.2% |
| Participation rate | 83.3% | 79.4%+3.9pp | 76.5%+6.8pp | 79.9%+3.4pp |
| Annual return | 16.32% | 25.05%-8.7pp | 23.20%-6.9pp | 145.39%-129.1pp |
| Employer contribution / active EE | $4,199 | $3,456+21.5% | $2,977+41.1% | $4,194+0.1% |
| Participant deferral / active EE | $11,069 | $5,693+94.5% | $5,076+118.1% | $6,396+73.1% |
| Admin fee / account holder | $8,728 | $14,549-40.0% | $11,957-27.0% | $12,562-30.5% |