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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 | $338,579 | $181,896+86.1% | $156,551+116.3% | $273,972+23.6% |
| Participation rate | 95.5% | 88.4%+7.1pp | 84.0%+11.4pp | 83.0%+12.4pp |
| Annual return | 20.27% | 30.74%-10.5pp | 32.23%-12.0pp | 41.46%-21.2pp |
| Employer contribution / active EE | $10,758 | $6,248+72.2% | $5,501+95.6% | $4,869+121.0% |
| Participant deferral / active EE | $7,698 | $5,550+38.7% | $4,871+58.0% | $5,287+45.6% |
| Admin fee / account holder | $45,457 | $15,560+192.1% | $13,028+248.9% | $10,133+348.6% |