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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 | $344,118 | $112,729+205.3% | $98,716+248.6% | $137,256+150.7% |
| Participation rate | 81.8% | 74.2%+7.6pp | 69.3%+12.5pp | 80.0%+1.9pp |
| Annual return | 16.02% | 38.48%-22.5pp | 31.81%-15.8pp | 220.34%-204.3pp |
| Employer contribution / active EE | $2,881 | $2,725+5.7% | $2,279+26.4% | $4,156-30.7% |
| Participant deferral / active EE | $7,092 | $4,640+52.8% | $4,048+75.2% | $6,407+10.7% |
| Admin fee / account holder | $1,667 | $10,129-83.5% | $8,703-80.8% | $12,270-86.4% |