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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 | $300,150 | $78,423+282.7% | $95,964+212.8% | $79,856+275.9% |
| Participation rate | 73.7% | 73.5%+0.2pp | 77.1%-3.4pp | 69.6%+4.0pp |
| Annual return | 15.34% | 19.37%-4.0pp | 91.64%-76.3pp | 31.71%-16.4pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,865 | $3,440+41.4% | $4,167+16.8% | $3,741+30.1% |
| Admin fee / account holder | $703 | $5,622-87.5% | $6,797-89.7% | $5,306-86.7% |