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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 | $112,729+141.9% | $98,716+176.3% | $137,256+98.7% |
| Participation rate | 80.0% | 74.2%+5.8pp | 69.3%+10.7pp | 80.0%0pp |
| Annual return | 13.49% | 38.48%-25.0pp | 31.81%-18.3pp | 220.34%-206.9pp |
| Employer contribution / active EE | $2,691 | $2,725-1.2% | $2,279+18.1% | $4,156-35.2% |
| Participant deferral / active EE | $20,190 | $4,640+335.1% | $4,048+398.8% | $6,407+215.1% |
| Admin fee / account holder | $2,029 | $10,129-80.0% | $8,703-76.7% | $12,270-83.5% |