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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 | $107,666+309.7% | $102,184+331.7% | $154,746+185.1% |
| Participation rate | 75.0% | 83.7%-8.7pp | 82.6%-7.6pp | 80.7%-5.7pp |
| Annual return | 18.13% | 29.33%-11.2pp | 31.58%-13.4pp | 172.34%-154.2pp |
| Employer contribution / active EE | $2,372 | $3,846-38.3% | $3,594-34.0% | $4,379-45.8% |
| Participant deferral / active EE | $11,198 | $8,719+28.4% | $8,309+34.8% | $6,730+66.4% |
| Admin fee / account holder | $35,028 | $12,943+170.6% | $11,609+201.7% | $14,365+143.8% |