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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 | $274,506 | $124,314+120.8% | $109,163+151.5% | $167,518+63.9% |
| Participation rate | 85.7% | 79.4%+6.3pp | 75.9%+9.8pp | 82.1%+3.6pp |
| Annual return | 12.18% | 26.04%-13.9pp | 25.75%-13.6pp | 478.71%-466.5pp |
| Employer contribution / active EE | $1,774 | $4,209-57.9% | $3,723-52.4% | $4,838-63.3% |
| Participant deferral / active EE | $8,184 | $5,256+55.7% | $4,654+75.9% | $6,342+29.1% |
| Admin fee / account holder | $4,751 | $7,973-40.4% | $6,754-29.7% | $12,312-61.4% |