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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 | $344,673 | $213,785+61.2% | $185,441+85.9% | $155,188+122.1% |
| Participation rate | 82.6% | 83.2%-0.6pp | 80.3%+2.3pp | 80.8%+1.8pp |
| Annual return | 13.30% | 19.97%-6.7pp | 20.16%-6.9pp | 148.84%-135.5pp |
| Employer contribution / active EE | $6,098 | $5,393+13.1% | $4,672+30.5% | $4,248+43.5% |
| Participant deferral / active EE | $11,722 | $6,864+70.8% | $6,152+90.6% | $6,531+79.5% |
| Admin fee / account holder | $7,746 | $21,134-63.4% | $17,890-56.7% | $14,480-46.5% |