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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 | $334,996 | $112,729+197.2% | $98,716+239.4% | $137,256+144.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 16.95% | 38.48%-21.5pp | 31.81%-14.9pp | 220.34%-203.4pp |
| Employer contribution / active EE | $561 | $2,725-79.4% | $2,279-75.4% | $4,156-86.5% |
| Participant deferral / active EE | $7,773 | $4,640+67.5% | $4,048+92.0% | $6,407+21.3% |
| Admin fee / account holder | $6,335 | $10,129-37.5% | $8,703-27.2% | $12,270-48.4% |