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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 | $449,011 | $96,558+365.0% | $80,977+454.5% | $273,972+63.9% |
| Participation rate | 100.0% | 79.1%+20.9pp | 75.8%+24.2pp | 83.0%+17.0pp |
| Annual return | 7.80% | 15.14%-7.3pp | 17.11%-9.3pp | 41.46%-33.7pp |
| Employer contribution / active EE | $0 | $4,869-100.0% | $3,715-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $8,589 | $6,598+30.2% | $5,696+50.8% | $5,287+62.4% |
| Admin fee / account holder | $782 | $7,493-89.6% | $5,517-85.8% | $10,133-92.3% |