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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 | $281,716 | $135,956+107.2% | $123,894+127.4% | $273,972+2.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 4.74% | 56.63%-51.9pp | 47.52%-42.8pp | 41.46%-36.7pp |
| Employer contribution / active EE | $3,249 | $5,170-37.2% | $4,617-29.6% | $4,869-33.3% |
| Participant deferral / active EE | $4,374 | $6,343-31.0% | $5,984-26.9% | $5,287-17.3% |
| Admin fee / account holder | $4,969 | $9,817-49.4% | $8,357-40.5% | $10,133-51.0% |