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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 | $633,401 | $254,759+148.6% | $216,567+192.5% | $198,609+218.9% |
| Participation rate | 88.9% | 84.5%+4.4pp | 81.6%+7.2pp | 82.4%+6.5pp |
| Annual return | 14.45% | 10.04%+4.4pp | 12.94%+1.5pp | 202.70%-188.3pp |
| Employer contribution / active EE | $8,026 | $6,096+31.6% | $5,216+53.9% | $5,055+58.8% |
| Participant deferral / active EE | $6,498 | $6,948-6.5% | $6,191+5.0% | $6,977-6.9% |
| Admin fee / account holder | $34,091 | $26,311+29.6% | $21,981+55.1% | $19,030+79.1% |