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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 | $259,316 | $213,785+21.3% | $185,441+39.8% | $155,188+67.1% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 17.28% | 19.97%-2.7pp | 20.16%-2.9pp | 148.84%-131.6pp |
| Employer contribution / active EE | $3,846 | $5,393-28.7% | $4,672-17.7% | $4,248-9.5% |
| Participant deferral / active EE | $15,585 | $6,864+127.0% | $6,152+153.3% | $6,531+138.6% |
| Admin fee / account holder | $2,523 | $21,134-88.1% | $17,890-85.9% | $14,480-82.6% |