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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 | $199,109+31.7% | $173,730+50.9% | $154,746+69.4% |
| Participation rate | 88.9% | 82.8%+6.1pp | 79.6%+9.3pp | 80.7%+8.2pp |
| Annual return | 19.02% | 20.02%-1.0pp | 19.96%-0.9pp | 172.34%-153.3pp |
| Employer contribution / active EE | $12,657 | $5,311+138.3% | $4,577+176.5% | $4,379+189.0% |
| Participant deferral / active EE | $6,579 | $7,113-7.5% | $6,326+4.0% | $6,730-2.2% |
| Admin fee / account holder | $1,999 | $20,916-90.4% | $17,523-88.6% | $14,365-86.1% |