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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 | $474,659 | $110,212+330.7% | $96,534+391.7% | $139,466+240.3% |
| Participation rate | 75.0% | 78.1%-3.1pp | 76.0%-1.0pp | 80.3%-5.3pp |
| Annual return | 16.93% | 26.42%-9.5pp | 25.88%-8.9pp | 373.66%-356.7pp |
| Employer contribution / active EE | $4,969 | $3,620+37.3% | $2,965+67.6% | $4,754+4.5% |
| Participant deferral / active EE | $21,804 | $5,547+293.0% | $4,851+349.5% | $6,712+224.9% |
| Admin fee / account holder | $1,030 | $11,599-91.1% | $8,253-87.5% | $11,409-91.0% |