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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 | $135,905+224.6% | $126,068+249.9% | $198,609+122.1% |
| Participation rate | 75.0% | 85.6%-10.6pp | 84.7%-9.7pp | 82.4%-7.4pp |
| Annual return | 18.13% | 14.07%+4.1pp | 15.01%+3.1pp | 202.70%-184.6pp |
| Employer contribution / active EE | $2,372 | $4,245-44.1% | $3,968-40.2% | $5,055-53.1% |
| Participant deferral / active EE | $11,198 | $8,523+31.4% | $8,214+36.3% | $6,977+60.5% |
| Admin fee / account holder | $35,028 | $21,036+66.5% | $18,264+91.8% | $19,030+84.1% |