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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 | $401,332 | $111,301+260.6% | $112,977+255.2% | $158,966+152.5% |
| Participation rate | 85.7% | 83.5%+2.2pp | 82.6%+3.2pp | 82.0%+3.8pp |
| Annual return | 15.50% | 26.40%-10.9pp | 24.24%-8.7pp | 302.95%-287.4pp |
| Employer contribution / active EE | $8,694 | $4,471+94.4% | $4,255+104.3% | $4,762+82.5% |
| Participant deferral / active EE | $12,577 | $5,880+113.9% | $5,836+115.5% | $5,983+110.2% |
| Admin fee / account holder | $2,613 | $8,392-68.9% | $6,294-58.5% | $11,250-76.8% |