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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 | $385,613 | $124,425+209.9% | $112,040+244.2% | $137,256+180.9% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 12.94% | 24.72%-11.8pp | 24.52%-11.6pp | 220.34%-207.4pp |
| Employer contribution / active EE | $1,599 | $3,411-53.1% | $2,954-45.9% | $4,156-61.5% |
| Participant deferral / active EE | $5,876 | $5,718+2.8% | $5,098+15.3% | $6,407-8.3% |
| Admin fee / account holder | $2,620 | $15,207-82.8% | $12,098-78.3% | $12,270-78.6% |