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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 | $339,298 | $112,729+201.0% | $98,716+243.7% | $137,256+147.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 20.21% | 38.48%-18.3pp | 31.81%-11.6pp | 220.34%-200.1pp |
| Employer contribution / active EE | $1,462 | $2,725-46.4% | $2,279-35.8% | $4,156-64.8% |
| Participant deferral / active EE | $14,223 | $4,640+206.5% | $4,048+251.4% | $6,407+122.0% |
| Admin fee / account holder | $3,193 | $10,129-68.5% | $8,703-63.3% | $12,270-74.0% |