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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 | $136,860+122.4% | $120,344+152.9% | $154,746+96.7% |
| Participation rate | 90.0% | 79.9%+10.1pp | 76.7%+13.3pp | 80.7%+9.3pp |
| Annual return | 30.09% | 21.38%+8.7pp | 20.30%+9.8pp | 172.34%-142.2pp |
| Employer contribution / active EE | $2,835 | $3,533-19.8% | $3,020-6.1% | $4,379-35.3% |
| Participant deferral / active EE | $10,575 | $5,793+82.5% | $5,135+106.0% | $6,730+57.1% |
| Admin fee / account holder | $58,266 | $15,393+278.5% | $12,742+357.3% | $14,365+305.6% |