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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 | $315,144 | $93,598+236.7% | $135,974+131.8% | $75,173+319.2% |
| Participation rate | 82.6% | 75.2%+7.4pp | 81.9%+0.7pp | 67.2%+15.4pp |
| Annual return | 18.45% | 30.89%-12.4pp | 68.30%-49.9pp | 160.72%-142.3pp |
| Employer contribution / active EE | $13,223 | $3,538+273.8% | $4,859+172.1% | $2,671+395.1% |
| Participant deferral / active EE | $12,586 | $6,405+96.5% | $7,760+62.2% | $4,126+205.0% |
| Admin fee / account holder | $7,255 | $6,978+4.0% | $10,767-32.6% | $5,651+28.4% |