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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 | $262,204 | $254,759+2.9% | $216,567+21.1% | $198,609+32.0% |
| Participation rate | 88.9% | 84.5%+4.4pp | 81.6%+7.2pp | 82.4%+6.5pp |
| Annual return | 19.02% | 10.04%+9.0pp | 12.94%+6.1pp | 202.70%-183.7pp |
| Employer contribution / active EE | $12,657 | $6,096+107.6% | $5,216+142.7% | $5,055+150.4% |
| Participant deferral / active EE | $6,579 | $6,948-5.3% | $6,191+6.3% | $6,977-5.7% |
| Admin fee / account holder | $1,999 | $26,311-92.4% | $21,981-90.9% | $19,030-89.5% |