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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 | $264,613 | $201,370+31.4% | $184,256+43.6% | $145,897+81.4% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 15.78% | 29.05%-13.3pp | 28.85%-13.1pp | 552.29%-536.5pp |
| Employer contribution / active EE | $4,680 | $7,024-33.4% | $6,427-27.2% | $4,663+0.4% |
| Participant deferral / active EE | $12,240 | $9,808+24.8% | $9,133+34.0% | $6,689+83.0% |
| Admin fee / account holder | $2,121 | $16,364-87.0% | $13,899-84.7% | $13,390-84.2% |