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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 | $827,185 | $184,014+349.5% | $161,149+413.3% | $138,895+495.5% |
| Participation rate | 85.7% | 82.1%+3.6pp | 78.8%+6.9pp | 79.9%+5.8pp |
| Annual return | 15.51% | 21.52%-6.0pp | 21.16%-5.6pp | 145.39%-129.9pp |
| Employer contribution / active EE | $5,734 | $5,055+13.4% | $4,360+31.5% | $4,194+36.7% |
| Participant deferral / active EE | $11,468 | $6,909+66.0% | $6,153+86.4% | $6,396+79.3% |
| Admin fee / account holder | $585 | $18,027-96.8% | $15,194-96.1% | $12,562-95.3% |