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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 | $1,346,160 | $129,737+937.6% | $119,126+1030.0% | $154,746+769.9% |
| Participation rate | 75.0% | 78.9%-3.9pp | 75.8%-0.8pp | 80.7%-5.7pp |
| Annual return | 15.05% | 379.08%-364.0pp | 282.11%-267.1pp | 172.34%-157.3pp |
| Employer contribution / active EE | $9,662 | $4,375+120.8% | $4,034+139.5% | $4,379+120.6% |
| Participant deferral / active EE | $23,250 | $5,842+298.0% | $5,318+337.2% | $6,730+245.5% |
| Admin fee / account holder | $7,691 | $11,961-35.7% | $10,693-28.1% | $14,365-46.5% |