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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 | $301,487 | $110,379+173.1% | $102,412+194.4% | $145,884+106.7% |
| Participation rate | 87.5% | 77.9%+9.6pp | 74.5%+13.0pp | 80.3%+7.2pp |
| Annual return | 13.22% | 24.84%-11.6pp | 24.94%-11.7pp | 551.85%-538.6pp |
| Employer contribution / active EE | $2,481 | $4,216-41.2% | $3,870-35.9% | $4,662-46.8% |
| Participant deferral / active EE | $4,300 | $5,622-23.5% | $5,060-15.0% | $6,690-35.7% |
| Admin fee / account holder | $4,625 | $9,745-52.5% | $8,388-44.9% | $13,392-65.5% |