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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 | $326,644 | $112,729+189.8% | $98,716+230.9% | $137,256+138.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 13.64% | 38.48%-24.8pp | 31.81%-18.2pp | 220.34%-206.7pp |
| Employer contribution / active EE | $1,297 | $2,725-52.4% | $2,279-43.1% | $4,156-68.8% |
| Participant deferral / active EE | $3,912 | $4,640-15.7% | $4,048-3.4% | $6,407-38.9% |
| Admin fee / account holder | $2,864 | $10,129-71.7% | $8,703-67.1% | $12,270-76.7% |