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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 | $303,068 | $117,846+157.2% | $102,434+195.9% | $145,884+107.7% |
| Participation rate | 82.6% | 78.6%+4.0pp | 76.5%+6.1pp | 80.3%+2.3pp |
| Annual return | 11.48% | 31.90%-20.4pp | 29.46%-18.0pp | 551.85%-540.4pp |
| Employer contribution / active EE | $3,385 | $3,615-6.3% | $3,023+12.0% | $4,662-27.4% |
| Participant deferral / active EE | $12,170 | $5,733+112.3% | $5,055+140.8% | $6,690+81.9% |
| Admin fee / account holder | $1,094 | $13,356-91.8% | $9,462-88.4% | $13,392-91.8% |