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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 | $263,788 | $213,785+23.4% | $185,441+42.2% | $155,188+70.0% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 14.55% | 19.97%-5.4pp | 20.16%-5.6pp | 148.84%-134.3pp |
| Employer contribution / active EE | $4,537 | $5,393-15.9% | $4,672-2.9% | $4,248+6.8% |
| Participant deferral / active EE | $9,872 | $6,864+43.8% | $6,152+60.5% | $6,531+51.1% |
| Admin fee / account holder | $18,549 | $21,134-12.2% | $17,890+3.7% | $14,480+28.1% |