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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 | $254,024 | $161,352+57.4% | $134,172+89.3% | $137,256+85.1% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 17.27% | 28.72%-11.4pp | 25.30%-8.0pp | 220.34%-203.1pp |
| Employer contribution / active EE | $2,138 | $4,099-47.8% | $3,420-37.5% | $4,156-48.6% |
| Participant deferral / active EE | $12,883 | $5,552+132.0% | $4,690+174.7% | $6,407+101.1% |
| Admin fee / account holder | $3,453 | $15,028-77.0% | $12,016-71.3% | $12,270-71.9% |