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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 | $262,974 | $110,278+138.5% | $95,740+174.7% | $139,466+88.6% |
| Participation rate | 100.0% | 75.7%+24.3pp | 72.3%+27.7pp | 80.3%+19.7pp |
| Annual return | 16.32% | 27.19%-10.9pp | 28.41%-12.1pp | 373.66%-357.3pp |
| Employer contribution / active EE | $5,310 | $3,260+62.9% | $2,836+87.2% | $4,754+11.7% |
| Participant deferral / active EE | $4,209 | $4,674-10.0% | $4,244-0.8% | $6,712-37.3% |
| Admin fee / account holder | $24,636 | $6,613+272.5% | $5,676+334.0% | $11,409+115.9% |