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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 | $102,609+218.4% | $98,090+233.0% | $138,895+135.2% |
| Participation rate | 83.3% | 82.8%+0.6pp | 81.5%+1.8pp | 79.9%+3.4pp |
| Annual return | 19.72% | 36.44%-16.7pp | 37.05%-17.3pp | 145.39%-125.7pp |
| Employer contribution / active EE | $2,840 | $3,867-26.6% | $3,606-21.2% | $4,194-32.3% |
| Participant deferral / active EE | $7,167 | $8,167-12.2% | $7,845-8.6% | $6,396+12.1% |
| Admin fee / account holder | $398 | $11,434-96.5% | $11,815-96.6% | $12,562-96.8% |