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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 | $377,941 | $110,337+242.5% | $102,383+269.1% | $145,877+159.1% |
| Participation rate | 75.0% | 77.9%-2.9pp | 74.5%+0.5pp | 80.3%-5.3pp |
| Annual return | 24.32% | 24.83%-0.5pp | 24.94%-0.6pp | 551.28%-527.0pp |
| Employer contribution / active EE | $4,353 | $4,216+3.3% | $3,870+12.5% | $4,663-6.6% |
| Participant deferral / active EE | $12,263 | $5,621+118.2% | $5,060+142.4% | $6,691+83.3% |
| Admin fee / account holder | $9,857 | $9,750+1.1% | $8,391+17.5% | $13,402-26.5% |