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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 | $310,400 | $111,814+177.6% | $103,378+200.3% | $145,978+112.6% |
| Participation rate | 71.4% | 77.9%-6.5pp | 74.5%-3.1pp | 80.3%-8.9pp |
| Annual return | 15.64% | 24.80%-9.2pp | 24.91%-9.3pp | 550.52%-534.9pp |
| Employer contribution / active EE | $5,695 | $4,215+35.1% | $3,870+47.1% | $4,662+22.2% |
| Participant deferral / active EE | $3,314 | $5,618-41.0% | $5,058-34.5% | $6,690-50.5% |
| Admin fee / account holder | $96,053 | $9,764+883.8% | $8,401+1043.4% | $13,400+616.8% |