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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 | $267,671 | $138,312+93.5% | $122,979+117.7% | $155,188+72.5% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 9.55% | 22.06%-12.5pp | 20.12%-10.6pp | 148.84%-139.3pp |
| Employer contribution / active EE | $2,127 | $3,530-39.7% | $3,062-30.5% | $4,248-49.9% |
| Participant deferral / active EE | $3,121 | $5,592-44.2% | $5,003-37.6% | $6,531-52.2% |
| Admin fee / account holder | $43,242 | $15,089+186.6% | $12,864+236.1% | $14,480+198.6% |