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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 | $256,264 | $211,946+20.9% | $169,452+51.2% | $135,379+89.3% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | 13.20% | 3.26%+9.9pp | 1.83%+11.4pp | 519.79%-506.6pp |
| Employer contribution / active EE | $1,334 | $5,117-73.9% | $4,157-67.9% | $4,779-72.1% |
| Participant deferral / active EE | $14,255 | $6,075+134.6% | $5,277+170.1% | $5,609+154.1% |
| Admin fee / account holder | $1,776 | $11,472-84.5% | $9,110-80.5% | $10,828-83.6% |