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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 | $295,119 | $177,156+66.6% | $147,027+100.7% | $154,746+90.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 11.25% | 21.94%-10.7pp | 20.23%-9.0pp | 172.34%-161.1pp |
| Employer contribution / active EE | $2,002 | $4,336-53.8% | $3,626-44.8% | $4,379-54.3% |
| Participant deferral / active EE | $5,561 | $5,797-4.1% | $4,933+12.7% | $6,730-17.4% |
| Admin fee / account holder | $5,369 | $14,904-64.0% | $12,223-56.1% | $14,365-62.6% |