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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 | $326,680 | $100,970+223.5% | $96,576+238.3% | $137,256+138.0% |
| Participation rate | 83.3% | 82.6%+0.7pp | 81.4%+1.9pp | 80.0%+3.4pp |
| Annual return | 19.72% | 38.16%-18.4pp | 38.47%-18.8pp | 220.34%-200.6pp |
| Employer contribution / active EE | $2,840 | $3,809-25.4% | $3,553-20.1% | $4,156-31.7% |
| Participant deferral / active EE | $7,167 | $8,286-13.5% | $7,956-9.9% | $6,407+11.9% |
| Admin fee / account holder | $398 | $11,312-96.5% | $11,381-96.5% | $12,270-96.8% |