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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 | $273,278 | $117,829+131.9% | $102,423+166.8% | $145,877+87.3% |
| Participation rate | 84.6% | 78.6%+6.0pp | 76.5%+8.1pp | 80.3%+4.3pp |
| Annual return | 14.78% | 31.83%-17.1pp | 29.42%-14.6pp | 551.28%-536.5pp |
| Employer contribution / active EE | $4,714 | $3,615+30.4% | $3,023+56.0% | $4,663+1.1% |
| Participant deferral / active EE | $6,999 | $5,732+22.1% | $5,054+38.5% | $6,691+4.6% |
| Admin fee / account holder | $8,505 | $13,335-36.2% | $9,455-10.0% | $13,402-36.5% |