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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 | $316,429 | $124,351+154.5% | $109,188+189.8% | $167,553+88.9% |
| Participation rate | 88.9% | 79.4%+9.4pp | 75.9%+13.0pp | 82.1%+6.8pp |
| Annual return | 20.15% | 26.04%-5.9pp | 25.76%-5.6pp | 478.89%-458.7pp |
| Employer contribution / active EE | $2,302 | $4,210-45.3% | $3,723-38.2% | $4,840-52.4% |
| Participant deferral / active EE | $8,176 | $5,257+55.5% | $4,654+75.7% | $6,343+28.9% |
| Admin fee / account holder | $5,085 | $7,975-36.2% | $6,755-24.7% | $12,316-58.7% |