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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 | $365,742 | $106,267+244.2% | $96,520+278.9% | $139,456+162.3% |
| Participation rate | 90.9% | 77.8%+13.1pp | 74.3%+16.6pp | 80.3%+10.6pp |
| Annual return | 21.47% | 38.45%-17.0pp | 35.72%-14.2pp | 373.45%-352.0pp |
| Employer contribution / active EE | $3,019 | $4,105-26.4% | $3,739-19.2% | $4,753-36.5% |
| Participant deferral / active EE | $13,394 | $5,454+145.6% | $4,879+174.5% | $6,711+99.6% |
| Admin fee / account holder | $4,638 | $7,882-41.2% | $6,733-31.1% | $11,407-59.3% |