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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 | $277,269 | $117,829+135.3% | $102,423+170.7% | $145,877+90.1% |
| Participation rate | 83.3% | 78.6%+4.7pp | 76.5%+6.8pp | 80.3%+3.0pp |
| Annual return | 13.93% | 31.83%-17.9pp | 29.42%-15.5pp | 551.28%-537.4pp |
| Employer contribution / active EE | $885 | $3,615-75.5% | $3,023-70.7% | $4,663-81.0% |
| Participant deferral / active EE | $9,860 | $5,732+72.0% | $5,054+95.1% | $6,691+47.4% |
| Admin fee / account holder | $10,373 | $13,335-22.2% | $9,455+9.7% | $13,402-22.6% |