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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 | $356,352 | $123,155+189.4% | $108,753+227.7% | $155,188+129.6% |
| Participation rate | 87.5% | 75.6%+11.9pp | 71.1%+16.4pp | 80.8%+6.7pp |
| Annual return | 15.20% | 44.73%-29.5pp | 37.47%-22.3pp | 148.84%-133.6pp |
| Employer contribution / active EE | $1,274 | $2,811-54.7% | $2,427-47.5% | $4,248-70.0% |
| Participant deferral / active EE | $2,848 | $4,623-38.4% | $4,115-30.8% | $6,531-56.4% |
| Admin fee / account holder | $37,768 | $12,126+211.5% | $10,320+266.0% | $14,480+160.8% |