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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 | $406,000 | $99,380+308.5% | $90,312+349.6% | $155,188+161.6% |
| Participation rate | 100.0% | 77.3%+22.7pp | 72.9%+27.1pp | 80.8%+19.2pp |
| Annual return | 15.09% | 19.35%-4.3pp | 18.90%-3.8pp | 148.84%-133.7pp |
| Employer contribution / active EE | $2,674 | $2,390+11.9% | $2,243+19.2% | $4,248-37.0% |
| Participant deferral / active EE | $6,101 | $4,212+44.9% | $3,749+62.7% | $6,531-6.6% |
| Admin fee / account holder | $6,262 | $9,766-35.9% | $8,248-24.1% | $14,480-56.8% |