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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 | $424,225 | $127,387+233.0% | $115,038+268.8% | $125,389+238.3% |
| Participation rate | 90.0% | 84.2%+5.8pp | 81.4%+8.6pp | 83.2%+6.8pp |
| Annual return | 2.61% | 31.28%-28.7pp | 26.14%-23.5pp | 282.24%-279.6pp |
| Employer contribution / active EE | $17,309 | $5,166+235.1% | $4,608+275.6% | $4,866+255.7% |
| Participant deferral / active EE | $5,409 | $6,423-15.8% | $6,026-10.2% | $5,352+1.1% |
| Admin fee / account holder | $43,682 | $9,516+359.0% | $8,175+434.3% | $9,541+357.8% |