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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 | $484,309 | $254,759+90.1% | $216,567+123.6% | $198,609+143.9% |
| Participation rate | 81.8% | 84.5%-2.7pp | 81.6%+0.2pp | 82.4%-0.6pp |
| Annual return | 4.28% | 10.04%-5.8pp | 12.94%-8.7pp | 202.70%-198.4pp |
| Employer contribution / active EE | $3,005 | $6,096-50.7% | $5,216-42.4% | $5,055-40.5% |
| Participant deferral / active EE | $9,041 | $6,948+30.1% | $6,191+46.0% | $6,977+29.6% |
| Admin fee / account holder | $7,481 | $26,311-71.6% | $21,981-66.0% | $19,030-60.7% |