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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 | $488,114 | $275,752+77.0% | $256,809+90.1% | $198,609+145.8% |
| Participation rate | 80.0% | 89.2%-9.2pp | 88.5%-8.5pp | 82.4%-2.4pp |
| Annual return | 13.20% | 34.81%-21.6pp | 32.73%-19.5pp | 202.70%-189.5pp |
| Employer contribution / active EE | $3,991 | $7,721-48.3% | $7,263-45.0% | $5,055-21.0% |
| Participant deferral / active EE | $9,514 | $10,037-5.2% | $9,520-0.1% | $6,977+36.4% |
| Admin fee / account holder | $460 | $25,716-98.2% | $25,146-98.2% | $19,030-97.6% |