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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 | $373,194 | $172,111+116.8% | $150,298+148.3% | $137,256+171.9% |
| Participation rate | 75.0% | 81.7%-6.7pp | 77.8%-2.8pp | 80.0%-5.0pp |
| Annual return | 12.28% | 69.37%-57.1pp | 62.79%-50.5pp | 220.34%-208.1pp |
| Employer contribution / active EE | $1,567 | $4,636-66.2% | $4,154-62.3% | $4,156-62.3% |
| Participant deferral / active EE | $9,551 | $6,166+54.9% | $5,453+75.2% | $6,407+49.1% |
| Admin fee / account holder | $11,038 | $16,471-33.0% | $14,116-21.8% | $12,270-10.0% |