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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 | $256,933 | $153,769+67.1% | $133,975+91.8% | $273,972-6.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 5.99% | 36.51%-30.5pp | 29.29%-23.3pp | 41.46%-35.5pp |
| Employer contribution / active EE | $14,869 | $6,029+146.6% | $5,211+185.3% | $4,869+205.4% |
| Participant deferral / active EE | $5,375 | $6,958-22.8% | $6,282-14.4% | $5,287+1.7% |
| Admin fee / account holder | $558 | $11,765-95.3% | $9,324-94.0% | $10,133-94.5% |