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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 | $351,149 | $199,109+76.4% | $173,730+102.1% | $154,746+126.9% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 16.78% | 20.02%-3.2pp | 19.96%-3.2pp | 172.34%-155.6pp |
| Employer contribution / active EE | $3,255 | $5,311-38.7% | $4,577-28.9% | $4,379-25.7% |
| Participant deferral / active EE | $10,647 | $7,113+49.7% | $6,326+68.3% | $6,730+58.2% |
| Admin fee / account holder | $53,507 | $20,916+155.8% | $17,523+205.3% | $14,365+272.5% |