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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 | $307,248 | $117,904+160.6% | $102,457+199.9% | $145,978+110.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.38% | 31.80%-19.4pp | 29.41%-17.0pp | 550.52%-538.1pp |
| Employer contribution / active EE | $2,718 | $3,613-24.8% | $3,022-10.1% | $4,662-41.7% |
| Participant deferral / active EE | $9,018 | $5,733+57.3% | $5,054+78.4% | $6,690+34.8% |
| Admin fee / account holder | $22,594 | $13,329+69.5% | $9,451+139.1% | $13,400+68.6% |