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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 | $115,225+136.7% | $100,712+170.8% | $138,895+96.3% |
| Participation rate | 80.0% | 74.3%+5.7pp | 69.3%+10.7pp | 79.9%+0.1pp |
| Annual return | 13.49% | 40.35%-26.9pp | 33.27%-19.8pp | 145.39%-131.9pp |
| Employer contribution / active EE | $2,691 | $2,771-2.9% | $2,313+16.4% | $4,194-35.8% |
| Participant deferral / active EE | $20,190 | $4,699+329.6% | $4,085+394.2% | $6,396+215.7% |
| Admin fee / account holder | $2,029 | $10,844-81.3% | $9,256-78.1% | $12,562-83.8% |