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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 | $258,877 | $127,779+102.6% | $106,551+143.0% | $167,518+54.5% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 12.79% | 33.87%-21.1pp | 26.80%-14.0pp | 478.71%-465.9pp |
| Employer contribution / active EE | $3,754 | $3,427+9.5% | $2,819+33.1% | $4,838-22.4% |
| Participant deferral / active EE | $5,524 | $5,088+8.6% | $4,398+25.6% | $6,342-12.9% |
| Admin fee / account holder | $2,805 | $11,228-75.0% | $7,408-62.1% | $12,312-77.2% |