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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 | $301,868 | $177,595+70.0% | $148,496+103.3% | $198,609+52.0% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 13.44% | 9.97%+3.5pp | 12.33%+1.1pp | 202.70%-189.3pp |
| Employer contribution / active EE | $2,332 | $4,098-43.1% | $3,497-33.3% | $5,055-53.9% |
| Participant deferral / active EE | $7,783 | $5,539+40.5% | $4,808+61.8% | $6,977+11.5% |
| Admin fee / account holder | $813 | $27,010-97.0% | $19,547-95.8% | $19,030-95.7% |