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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 | $199,109+73.1% | $173,730+98.4% | $154,746+122.7% |
| Participation rate | 82.6% | 82.8%-0.2pp | 79.6%+3.0pp | 80.7%+1.9pp |
| Annual return | 13.30% | 20.02%-6.7pp | 19.96%-6.7pp | 172.34%-159.0pp |
| Employer contribution / active EE | $6,098 | $5,311+14.8% | $4,577+33.2% | $4,379+39.2% |
| Participant deferral / active EE | $11,722 | $7,113+64.8% | $6,326+85.3% | $6,730+74.2% |
| Admin fee / account holder | $7,746 | $20,916-63.0% | $17,523-55.8% | $14,365-46.1% |