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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 | $295,923 | $112,729+162.5% | $98,716+199.8% | $137,256+115.6% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 14.25% | 38.48%-24.2pp | 31.81%-17.6pp | 220.34%-206.1pp |
| Employer contribution / active EE | $3,886 | $2,725+42.6% | $2,279+70.5% | $4,156-6.5% |
| Participant deferral / active EE | $9,076 | $4,640+95.6% | $4,048+124.2% | $6,407+41.7% |
| Admin fee / account holder | $2,664 | $10,129-73.7% | $8,703-69.4% | $12,270-78.3% |