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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 | $266,074 | $162,812+63.4% | $133,971+98.6% | $158,966+67.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 15.05% | 41.94%-26.9pp | 45.09%-30.0pp | 302.95%-287.9pp |
| Employer contribution / active EE | $2,907 | $4,976-41.6% | $3,919-25.8% | $4,762-39.0% |
| Participant deferral / active EE | $9,185 | $5,910+55.4% | $5,047+82.0% | $5,983+53.5% |
| Admin fee / account holder | $923 | $11,741-92.1% | $8,929-89.7% | $11,250-91.8% |