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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 | $81,262+230.9% | $155,602+72.8% | $80,911+232.3% |
| Participation rate | 70.0% | 66.2%+3.8pp | 78.2%-8.2pp | 67.6%+2.4pp |
| Annual return | 19.08% | 33.34%-14.3pp | 64.81%-45.7pp | 35.63%-16.6pp |
| Employer contribution / active EE | $4,357 | $3,102+40.5% | $4,675-6.8% | $2,756+58.1% |
| Participant deferral / active EE | $3,854 | $3,451+11.7% | $5,629-31.5% | $4,297-10.3% |
| Admin fee / account holder | $23,960 | $7,992+199.8% | $15,923+50.5% | $6,935+245.5% |