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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 | $320,270 | $110,240+190.5% | $96,544+231.7% | $139,487+129.6% |
| Participation rate | 85.7% | 78.1%+7.6pp | 76.0%+9.7pp | 80.3%+5.4pp |
| Annual return | 15.04% | 26.41%-11.4pp | 25.88%-10.8pp | 373.84%-358.8pp |
| Employer contribution / active EE | $4,023 | $3,622+11.0% | $2,966+35.6% | $4,755-15.4% |
| Participant deferral / active EE | $7,199 | $5,549+29.7% | $4,851+48.4% | $6,713+7.2% |
| Admin fee / account holder | $3,315 | $11,602-71.4% | $8,254-59.8% | $11,407-70.9% |