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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 | $259,497 | $110,337+135.2% | $102,383+153.5% | $145,877+77.9% |
| Participation rate | 85.7% | 77.9%+7.8pp | 74.5%+11.2pp | 80.3%+5.4pp |
| Annual return | 20.74% | 24.83%-4.1pp | 24.94%-4.2pp | 551.28%-530.5pp |
| Employer contribution / active EE | $2,495 | $4,216-40.8% | $3,870-35.5% | $4,663-46.5% |
| Participant deferral / active EE | $7,725 | $5,621+37.4% | $5,060+52.7% | $6,691+15.5% |
| Admin fee / account holder | $6,537 | $9,750-33.0% | $8,391-22.1% | $13,402-51.2% |