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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 | $106,749+164.4% | $145,433+94.1% | $82,448+242.4% |
| Participation rate | 96.0% | 75.6%+20.4pp | 82.1%+13.9pp | 68.1%+27.9pp |
| Annual return | 16.39% | 27.59%-11.2pp | 66.58%-50.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $4,307 | $3,444+25.0% | $4,554-5.4% | $2,551+68.8% |
| Participant deferral / active EE | $13,946 | $6,519+113.9% | $7,897+76.6% | $4,139+236.9% |
| Admin fee / account holder | $8,957 | $8,390+6.8% | $13,129-31.8% | $7,234+23.8% |