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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 | $284,828 | $211,105+34.9% | $178,449+59.6% | $145,978+95.1% |
| Participation rate | 80.0% | 80.8%-0.8pp | 77.1%+2.9pp | 80.3%-0.3pp |
| Annual return | 10.45% | 30.19%-19.7pp | 27.09%-16.6pp | 550.52%-540.1pp |
| Employer contribution / active EE | $2,965 | $4,569-35.1% | $3,951-25.0% | $4,662-36.4% |
| Participant deferral / active EE | $3,320 | $6,959-52.3% | $6,277-47.1% | $6,690-50.4% |
| Admin fee / account holder | $7,688 | $12,017-36.0% | $10,362-25.8% | $13,400-42.6% |