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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 | $261,019 | $167,415+55.9% | $140,514+85.8% | $198,609+31.4% |
| Participation rate | 82.4% | 80.9%+1.5pp | 77.8%+4.6pp | 82.4%0pp |
| Annual return | 12.48% | 13.85%-1.4pp | 14.36%-1.9pp | 202.70%-190.2pp |
| Employer contribution / active EE | $0 | $4,088-100.0% | $3,378-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $2,948 | $5,579-47.2% | $4,919-40.1% | $6,977-57.7% |
| Admin fee / account holder | $1,628 | $16,730-90.3% | $13,697-88.1% | $19,030-91.4% |