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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 | $268,892 | $81,331+230.6% | $155,534+72.9% | $80,935+232.2% |
| Participation rate | 70.0% | 66.3%+3.7pp | 78.2%-8.2pp | 67.7%+2.3pp |
| Annual return | 19.08% | 33.37%-14.3pp | 64.92%-45.8pp | 35.66%-16.6pp |
| Employer contribution / active EE | $4,357 | $3,105+40.3% | $4,675-6.8% | $2,757+58.1% |
| Participant deferral / active EE | $3,854 | $3,454+11.6% | $5,630-31.6% | $4,299-10.4% |
| Admin fee / account holder | $23,960 | $7,999+199.5% | $15,900+50.7% | $6,924+246.0% |