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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 | $320,950 | $124,425+157.9% | $112,040+186.5% | $137,256+133.8% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 11.04% | 24.72%-13.7pp | 24.52%-13.5pp | 220.34%-209.3pp |
| Employer contribution / active EE | $1,562 | $3,411-54.2% | $2,954-47.1% | $4,156-62.4% |
| Participant deferral / active EE | $6,533 | $5,718+14.2% | $5,098+28.1% | $6,407+2.0% |
| Admin fee / account holder | $22,575 | $15,207+48.5% | $12,098+86.6% | $12,270+84.0% |