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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 | $282,295 | $106,524+165.0% | $152,301+85.4% | $87,485+222.7% |
| Participation rate | 96.0% | 75.8%+20.2pp | 82.4%+13.6pp | 68.9%+27.1pp |
| Annual return | 16.39% | 26.89%-10.5pp | 80.50%-64.1pp | 26.06%-9.7pp |
| Employer contribution / active EE | $4,307 | $3,371+27.8% | $4,624-6.9% | $2,596+65.9% |
| Participant deferral / active EE | $13,946 | $6,525+113.7% | $8,004+74.2% | $4,274+226.3% |
| Admin fee / account holder | $8,957 | $8,287+8.1% | $14,398-37.8% | $7,775+15.2% |