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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 | $274,446 | $92,798+195.7% | $96,707+183.8% | $137,256+100.0% |
| Participation rate | 100.0% | 81.6%+18.4pp | 80.4%+19.6pp | 80.0%+20.0pp |
| Annual return | 14.88% | 31.24%-16.4pp | 34.78%-19.9pp | 220.34%-205.5pp |
| Employer contribution / active EE | $2,966 | $4,147-28.5% | $4,191-29.2% | $4,156-28.6% |
| Participant deferral / active EE | $3,424 | $5,877-41.7% | $5,997-42.9% | $6,407-46.6% |
| Admin fee / account holder | $6,573 | $7,946-17.3% | $7,503-12.4% | $12,270-46.4% |