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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 | $264,768 | $97,289+172.1% | $92,805+185.3% | $155,188+70.6% |
| Participation rate | 100.0% | 84.2%+15.8pp | 83.5%+16.5pp | 80.8%+19.2pp |
| Annual return | 18.21% | 29.03%-10.8pp | 31.59%-13.4pp | 148.84%-130.6pp |
| Employer contribution / active EE | $6,241 | $3,632+71.8% | $3,424+82.3% | $4,248+46.9% |
| Participant deferral / active EE | $6,207 | $8,795-29.4% | $8,448-26.5% | $6,531-5.0% |
| Admin fee / account holder | $510 | $12,015-95.8% | $10,911-95.3% | $14,480-96.5% |