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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 | $267,805 | $96,558+177.4% | $80,977+230.7% | $273,972-2.3% |
| Participation rate | 100.0% | 79.1%+20.9pp | 75.8%+24.2pp | 83.0%+17.0pp |
| Annual return | 6.57% | 15.14%-8.6pp | 17.11%-10.5pp | 41.46%-34.9pp |
| Employer contribution / active EE | $9,831 | $4,869+101.9% | $3,715+164.7% | $4,869+101.9% |
| Participant deferral / active EE | $7,000 | $6,598+6.1% | $5,696+22.9% | $5,287+32.4% |
| Admin fee / account holder | $2,034 | $7,493-72.9% | $5,517-63.1% | $10,133-79.9% |