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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 | $324,179 | $115,903+179.7% | $100,528+222.5% | $158,966+103.9% |
| Participation rate | 80.0% | 81.6%-1.6pp | 79.4%+0.6pp | 82.0%-2.0pp |
| Annual return | 16.16% | 34.80%-18.6pp | 30.90%-14.7pp | 302.95%-286.8pp |
| Employer contribution / active EE | $974 | $4,105-76.3% | $3,419-71.5% | $4,762-79.5% |
| Participant deferral / active EE | $14,679 | $6,677+119.9% | $6,271+134.1% | $5,983+145.3% |
| Admin fee / account holder | $22,867 | $11,000+107.9% | $8,084+182.9% | $11,250+103.3% |