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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 | $276,748 | $162,967+69.8% | $135,792+103.8% | $138,895+99.2% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 10.31% | 30.08%-19.8pp | 25.96%-15.6pp | 145.39%-135.1pp |
| Employer contribution / active EE | $6,191 | $4,211+47.0% | $3,496+77.1% | $4,194+47.6% |
| Participant deferral / active EE | $4,964 | $5,640-12.0% | $4,759+4.3% | $6,396-22.4% |
| Admin fee / account holder | $821 | $15,306-94.6% | $12,266-93.3% | $12,562-93.5% |