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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 | $351,218 | $181,896+93.1% | $156,551+124.3% | $273,972+28.2% |
| Participation rate | 90.0% | 88.4%+1.6pp | 84.0%+6.0pp | 83.0%+7.0pp |
| Annual return | 6.60% | 30.74%-24.1pp | 32.23%-25.6pp | 41.46%-34.9pp |
| Employer contribution / active EE | $15,992 | $6,248+156.0% | $5,501+190.7% | $4,869+228.5% |
| Participant deferral / active EE | $14,200 | $5,550+155.9% | $4,871+191.5% | $5,287+168.6% |
| Admin fee / account holder | $27,806 | $15,560+78.7% | $13,028+113.4% | $10,133+174.4% |