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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 | $258,769 | $176,838+46.3% | $146,685+76.4% | $167,518+54.5% |
| Participation rate | 90.0% | 83.6%+6.4pp | 80.1%+9.9pp | 82.1%+7.9pp |
| Annual return | 12.47% | 24.04%-11.6pp | 22.75%-10.3pp | 478.71%-466.2pp |
| Employer contribution / active EE | $3,887 | $5,161-24.7% | $4,137-6.1% | $4,838-19.7% |
| Participant deferral / active EE | $6,469 | $6,441+0.4% | $5,507+17.5% | $6,342+2.0% |
| Admin fee / account holder | $849 | $13,262-93.6% | $10,281-91.7% | $12,312-93.1% |