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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 | $265,835 | $110,278+141.1% | $95,740+177.7% | $139,466+90.6% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 16.17% | 27.19%-11.0pp | 28.41%-12.2pp | 373.66%-357.5pp |
| Employer contribution / active EE | $6,063 | $3,260+86.0% | $2,836+113.8% | $4,754+27.5% |
| Participant deferral / active EE | $9,103 | $4,674+94.7% | $4,244+114.5% | $6,712+35.6% |
| Admin fee / account holder | $2,319 | $6,613-64.9% | $5,676-59.1% | $11,409-79.7% |