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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 | $272,695 | $99,053+175.3% | $88,179+209.3% | $138,895+96.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.1%+30.9pp | 79.9%+20.1pp |
| Annual return | 27.79% | 78.17%-50.4pp | 64.97%-37.2pp | 145.39%-117.6pp |
| Employer contribution / active EE | $4,612 | $2,882+60.0% | $2,549+80.9% | $4,194+10.0% |
| Participant deferral / active EE | $11,622 | $5,225+122.4% | $4,614+151.9% | $6,396+81.7% |
| Admin fee / account holder | $7,686 | $8,748-12.1% | $7,673+0.2% | $12,562-38.8% |