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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 | $403,233 | $97,289+314.5% | $92,805+334.5% | $155,188+159.8% |
| Participation rate | 100.0% | 84.2%+15.8pp | 83.5%+16.5pp | 80.8%+19.2pp |
| Annual return | 16.30% | 29.03%-12.7pp | 31.59%-15.3pp | 148.84%-132.5pp |
| Employer contribution / active EE | $4,206 | $3,632+15.8% | $3,424+22.8% | $4,248-1.0% |
| Participant deferral / active EE | $8,229 | $8,795-6.4% | $8,448-2.6% | $6,531+26.0% |
| Admin fee / account holder | $6,531 | $12,015-45.6% | $10,911-40.1% | $14,480-54.9% |