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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 | $269,494 | $97,125+177.5% | $86,233+212.5% | $137,256+96.3% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.0%+6.0pp | 80.0%-5.0pp |
| Annual return | 14.78% | 74.19%-59.4pp | 61.39%-46.6pp | 220.34%-205.6pp |
| Employer contribution / active EE | $2,500 | $2,841-12.0% | $2,504-0.2% | $4,156-39.8% |
| Participant deferral / active EE | $9,798 | $5,180+89.2% | $4,559+114.9% | $6,407+52.9% |
| Admin fee / account holder | $1,592 | $9,725-83.6% | $8,342-80.9% | $12,270-87.0% |