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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 | $346,616 | $407,956-15.0% | $299,830+15.6% | $198,609+74.5% |
| Participation rate | 100.0% | 83.3%+16.7pp | 78.5%+21.5pp | 82.4%+17.6pp |
| Annual return | 14.60% | 6.66%+7.9pp | 10.58%+4.0pp | 202.70%-188.1pp |
| Employer contribution / active EE | $2,925 | $7,661-61.8% | $5,842-49.9% | $5,055-42.2% |
| Participant deferral / active EE | $7,819 | $8,628-9.4% | $7,038+11.1% | $6,977+12.1% |
| Admin fee / account holder | $404 | $73,031-99.4% | $50,982-99.2% | $19,030-97.9% |