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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 | $305,303 | $77,814+292.4% | $158,223+93.0% | $86,983+251.0% |
| Participation rate | 92.0% | 68.4%+23.6pp | 79.2%+12.8pp | 69.5%+22.5pp |
| Annual return | 19.67% | 30.54%-10.9pp | 52.09%-32.4pp | 25.83%-6.2pp |
| Employer contribution / active EE | $4,654 | $2,592+79.5% | $4,109+13.3% | $2,584+80.1% |
| Participant deferral / active EE | $13,396 | $3,270+309.7% | $5,467+145.0% | $4,194+219.4% |
| Admin fee / account holder | $6,777 | $5,879+15.3% | $16,047-57.8% | $7,856-13.7% |