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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 | $441,158 | $100,970+336.9% | $96,576+356.8% | $137,256+221.4% |
| Participation rate | 75.0% | 82.6%-7.6pp | 81.4%-6.4pp | 80.0%-5.0pp |
| Annual return | 18.13% | 38.16%-20.0pp | 38.47%-20.3pp | 220.34%-202.2pp |
| Employer contribution / active EE | $2,372 | $3,809-37.7% | $3,553-33.2% | $4,156-42.9% |
| Participant deferral / active EE | $11,198 | $8,286+35.1% | $7,956+40.7% | $6,407+74.8% |
| Admin fee / account holder | $35,028 | $11,312+209.7% | $11,381+207.8% | $12,270+185.5% |