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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 | $458,131 | $254,759+79.8% | $216,567+111.5% | $198,609+130.7% |
| Participation rate | 90.9% | 84.5%+6.4pp | 81.6%+9.3pp | 82.4%+8.5pp |
| Annual return | 11.95% | 10.04%+1.9pp | 12.94%-1.0pp | 202.70%-190.7pp |
| Employer contribution / active EE | $12,259 | $6,096+101.1% | $5,216+135.0% | $5,055+142.5% |
| Participant deferral / active EE | $15,131 | $6,948+117.8% | $6,191+144.4% | $6,977+116.9% |
| Admin fee / account holder | $12,853 | $26,311-51.1% | $21,981-41.5% | $19,030-32.5% |