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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 | $272,561 | $127,387+114.0% | $115,038+136.9% | $125,389+117.4% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 4.14% | 31.28%-27.1pp | 26.14%-22.0pp | 282.24%-278.1pp |
| Employer contribution / active EE | $5,450 | $5,166+5.5% | $4,608+18.3% | $4,866+12.0% |
| Participant deferral / active EE | $13,406 | $6,423+108.7% | $6,026+122.5% | $5,352+150.5% |
| Admin fee / account holder | $1,409 | $9,516-85.2% | $8,175-82.8% | $9,541-85.2% |