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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 | $185,312+101.4% | $161,489+131.1% | $154,746+141.2% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 12.28% | 103.84%-91.6pp | 89.72%-77.4pp | 172.34%-160.1pp |
| Employer contribution / active EE | $1,567 | $4,769-67.1% | $4,268-63.3% | $4,379-64.2% |
| Participant deferral / active EE | $9,551 | $6,350+50.4% | $5,630+69.7% | $6,730+41.9% |
| Admin fee / account holder | $11,038 | $18,654-40.8% | $16,006-31.0% | $14,365-23.2% |