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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 | $252,184 | $118,467+112.9% | $98,450+156.2% | $139,456+80.8% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 11.01% | 18.95%-7.9pp | 21.16%-10.2pp | 373.45%-362.4pp |
| Employer contribution / active EE | $4,597 | $3,611+27.3% | $3,049+50.8% | $4,753-3.3% |
| Participant deferral / active EE | $6,446 | $5,393+19.5% | $4,739+36.0% | $6,711-4.0% |
| Admin fee / account holder | $698 | $14,057-95.0% | $8,961-92.2% | $11,407-93.9% |