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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 | $288,707 | $101,618+184.1% | $93,063+210.2% | $137,256+110.3% |
| Participation rate | 72.7% | 74.9%-2.2pp | 72.1%+0.6pp | 80.0%-7.2pp |
| Annual return | 16.11% | 223.95%-207.8pp | 34.15%-18.0pp | 220.34%-204.2pp |
| Employer contribution / active EE | $1,381 | $2,707-49.0% | $2,476-44.2% | $4,156-66.8% |
| Participant deferral / active EE | $4,371 | $4,279+2.1% | $3,958+10.4% | $6,407-31.8% |
| Admin fee / account holder | $2,901 | $6,198-53.2% | $6,033-51.9% | $12,270-76.4% |