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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 | $775,089 | $177,156+337.5% | $147,027+427.2% | $154,746+400.9% |
| Participation rate | 80.0% | 79.4%+0.6pp | 73.7%+6.3pp | 80.7%-0.7pp |
| Annual return | 10.53% | 21.94%-11.4pp | 20.23%-9.7pp | 172.34%-161.8pp |
| Employer contribution / active EE | $2,238 | $4,336-48.4% | $3,626-38.3% | $4,379-48.9% |
| Participant deferral / active EE | $7,650 | $5,797+32.0% | $4,933+55.1% | $6,730+13.7% |
| Admin fee / account holder | $21,668 | $14,904+45.4% | $12,223+77.3% | $14,365+50.8% |