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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 | $253,983 | $161,352+57.4% | $134,172+89.3% | $137,256+85.0% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 18.24% | 28.72%-10.5pp | 25.30%-7.1pp | 220.34%-202.1pp |
| Employer contribution / active EE | $8,553 | $4,099+108.7% | $3,420+150.1% | $4,156+105.8% |
| Participant deferral / active EE | $10,544 | $5,552+89.9% | $4,690+124.8% | $6,407+64.6% |
| Admin fee / account holder | $2,090 | $15,028-86.1% | $12,016-82.6% | $12,270-83.0% |