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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 | $256,134 | $67,894+277.3% | $89,340+186.7% | $82,448+210.7% |
| Participation rate | 73.0% | 64.0%+8.9pp | 69.6%+3.4pp | 68.1%+4.9pp |
| Annual return | 13.83% | 19.21%-5.4pp | 20.57%-6.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $1,567 | $1,828-14.2% | $2,231-29.8% | $2,551-38.6% |
| Participant deferral / active EE | $4,588 | $3,072+49.3% | $3,823+20.0% | $4,139+10.8% |
| Admin fee / account holder | $5,798 | $5,723+1.3% | $6,704-13.5% | $7,234-19.9% |