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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 | $280,206 | $155,555+80.1% | $146,866+90.8% | $155,188+80.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 12.39% | 115.41%-103.0pp | 102.85%-90.5pp | 148.84%-136.5pp |
| Employer contribution / active EE | $0 | $4,647-100.0% | $4,425-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $8,831 | $8,044+9.8% | $7,759+13.8% | $6,531+35.2% |
| Admin fee / account holder | $6,753 | $14,755-54.2% | $13,620-50.4% | $14,480-53.4% |