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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 | $477,561 | $181,896+162.5% | $156,551+205.1% | $273,972+74.3% |
| Participation rate | 91.7% | 88.4%+3.3pp | 84.0%+7.7pp | 83.0%+8.7pp |
| Annual return | 10.14% | 30.74%-20.6pp | 32.23%-22.1pp | 41.46%-31.3pp |
| Employer contribution / active EE | $14,213 | $6,248+127.5% | $5,501+158.4% | $4,869+191.9% |
| Participant deferral / active EE | $8,381 | $5,550+51.0% | $4,871+72.0% | $5,287+58.5% |
| Admin fee / account holder | $2,706 | $15,560-82.6% | $13,028-79.2% | $10,133-73.3% |