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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 | $136,860+105.2% | $120,344+133.3% | $154,746+81.5% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 18.33% | 21.38%-3.1pp | 20.30%-2.0pp | 172.34%-154.0pp |
| Employer contribution / active EE | $3,097 | $3,533-12.4% | $3,020+2.5% | $4,379-29.3% |
| Participant deferral / active EE | $14,812 | $5,793+155.7% | $5,135+188.5% | $6,730+120.1% |
| Admin fee / account holder | $1,941 | $15,393-87.4% | $12,742-84.8% | $14,365-86.5% |