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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 | $421,649 | $155,555+171.1% | $146,866+187.1% | $155,188+171.7% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.5%+5.0pp | 80.8%+6.7pp |
| Annual return | 18.30% | 115.41%-97.1pp | 102.85%-84.6pp | 148.84%-130.5pp |
| Employer contribution / active EE | $4,090 | $4,647-12.0% | $4,425-7.6% | $4,248-3.7% |
| Participant deferral / active EE | $8,287 | $8,044+3.0% | $7,759+6.8% | $6,531+26.9% |
| Admin fee / account holder | $16,713 | $14,755+13.3% | $13,620+22.7% | $14,480+15.4% |