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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 | $266,567 | $138,312+92.7% | $122,979+116.8% | $155,188+71.8% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 14.61% | 22.06%-7.5pp | 20.12%-5.5pp | 148.84%-134.2pp |
| Employer contribution / active EE | $8,425 | $3,530+138.7% | $3,062+175.1% | $4,248+98.3% |
| Participant deferral / active EE | $4,924 | $5,592-11.9% | $5,003-1.6% | $6,531-24.6% |
| Admin fee / account holder | $1,507 | $15,089-90.0% | $12,864-88.3% | $14,480-89.6% |