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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 | $282,112 | $162,781+73.3% | $133,956+110.6% | $158,931+77.5% |
| Participation rate | 92.3% | 83.2%+9.1pp | 79.8%+12.5pp | 82.0%+10.3pp |
| Annual return | 10.83% | 41.94%-31.1pp | 45.09%-34.3pp | 302.86%-292.0pp |
| Employer contribution / active EE | $1,088 | $4,975-78.1% | $3,919-72.2% | $4,761-77.2% |
| Participant deferral / active EE | $5,250 | $5,911-11.2% | $5,048+4.0% | $5,982-12.2% |
| Admin fee / account holder | $2,266 | $11,736-80.7% | $8,927-74.6% | $11,247-79.9% |