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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 | $255,067 | $73,787+245.7% | $98,716+158.4% | $82,448+209.4% |
| Participation rate | 81.5% | 61.4%+20.1pp | 69.3%+12.2pp | 68.1%+13.4pp |
| Annual return | 14.78% | 18.57%-3.8pp | 31.81%-17.0pp | 41.64%-26.9pp |
| Employer contribution / active EE | $7,640 | $1,511+405.5% | $2,279+235.3% | $2,551+199.5% |
| Participant deferral / active EE | $1,794 | $3,081-41.8% | $4,048-55.7% | $4,139-56.7% |
| Admin fee / account holder | $10,087 | $6,500+55.2% | $8,703+15.9% | $7,234+39.4% |