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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 | $373,666 | $138,312+170.2% | $122,979+203.8% | $155,188+140.8% |
| Participation rate | 71.4% | 80.2%-8.8pp | 77.2%-5.8pp | 80.8%-9.4pp |
| Annual return | 15.61% | 22.06%-6.5pp | 20.12%-4.5pp | 148.84%-133.2pp |
| Employer contribution / active EE | $1,529 | $3,530-56.7% | $3,062-50.1% | $4,248-64.0% |
| Participant deferral / active EE | $4,843 | $5,592-13.4% | $5,003-3.2% | $6,531-25.8% |
| Admin fee / account holder | $10,840 | $15,089-28.2% | $12,864-15.7% | $14,480-25.1% |