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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 | $304,310 | $124,425+144.6% | $112,040+171.6% | $137,256+121.7% |
| Participation rate | 90.0% | 79.3%+10.7pp | 76.5%+13.5pp | 80.0%+10.0pp |
| Annual return | 30.09% | 24.72%+5.4pp | 24.52%+5.6pp | 220.34%-190.2pp |
| Employer contribution / active EE | $2,835 | $3,411-16.9% | $2,954-4.0% | $4,156-31.8% |
| Participant deferral / active EE | $10,575 | $5,718+84.9% | $5,098+107.5% | $6,407+65.1% |
| Admin fee / account holder | $58,266 | $15,207+283.2% | $12,098+381.6% | $12,270+374.9% |