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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 | $264,287 | $117,846+124.3% | $102,434+158.0% | $145,884+81.2% |
| Participation rate | 93.8% | 78.6%+15.1pp | 76.5%+17.2pp | 80.3%+13.4pp |
| Annual return | 16.01% | 31.90%-15.9pp | 29.46%-13.4pp | 551.85%-535.8pp |
| Employer contribution / active EE | $8,387 | $3,615+132.0% | $3,023+177.4% | $4,662+79.9% |
| Participant deferral / active EE | $5,633 | $5,733-1.8% | $5,055+11.4% | $6,690-15.8% |
| Admin fee / account holder | $1,523 | $13,356-88.6% | $9,462-83.9% | $13,392-88.6% |