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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 | $280,792 | $167,415+67.7% | $140,514+99.8% | $198,609+41.4% |
| Participation rate | 100.0% | 80.9%+19.1pp | 77.8%+22.2pp | 82.4%+17.6pp |
| Annual return | 18.33% | 13.85%+4.5pp | 14.36%+4.0pp | 202.70%-184.4pp |
| Employer contribution / active EE | $3,097 | $4,088-24.2% | $3,378-8.3% | $5,055-38.7% |
| Participant deferral / active EE | $14,812 | $5,579+165.5% | $4,919+201.1% | $6,977+112.3% |
| Admin fee / account holder | $1,941 | $16,730-88.4% | $13,697-85.8% | $19,030-89.8% |