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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 | $272,710 | $123,155+121.4% | $108,753+150.8% | $155,188+75.7% |
| Participation rate | 80.0% | 75.6%+4.4pp | 71.1%+8.9pp | 80.8%-0.8pp |
| Annual return | 13.49% | 44.73%-31.2pp | 37.47%-24.0pp | 148.84%-135.3pp |
| Employer contribution / active EE | $2,691 | $2,811-4.3% | $2,427+10.9% | $4,248-36.6% |
| Participant deferral / active EE | $20,190 | $4,623+336.7% | $4,115+390.7% | $6,531+209.1% |
| Admin fee / account holder | $2,029 | $12,126-83.3% | $10,320-80.3% | $14,480-86.0% |