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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 | $136,860+173.0% | $120,344+210.5% | $154,746+141.5% |
| Participation rate | 71.4% | 79.9%-8.5pp | 76.7%-5.3pp | 80.7%-9.3pp |
| Annual return | 15.61% | 21.38%-5.8pp | 20.30%-4.7pp | 172.34%-156.7pp |
| Employer contribution / active EE | $1,529 | $3,533-56.7% | $3,020-49.4% | $4,379-65.1% |
| Participant deferral / active EE | $4,843 | $5,793-16.4% | $5,135-5.7% | $6,730-28.0% |
| Admin fee / account holder | $10,840 | $15,393-29.6% | $12,742-14.9% | $14,365-24.5% |