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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 | $99,875+182.6% | $146,866+92.2% | $86,983+224.5% |
| Participation rate | 96.0% | 75.8%+20.2pp | 82.5%+13.5pp | 69.5%+26.5pp |
| Annual return | 16.39% | 28.10%-11.7pp | 102.85%-86.5pp | 25.83%-9.4pp |
| Employer contribution / active EE | $4,307 | $3,224+33.6% | $4,425-2.7% | $2,584+66.6% |
| Participant deferral / active EE | $13,946 | $6,322+120.6% | $7,759+79.7% | $4,194+232.5% |
| Admin fee / account holder | $8,957 | $7,838+14.3% | $13,620-34.2% | $7,856+14.0% |