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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 | $276,044 | $115,903+138.2% | $100,528+174.6% | $158,966+73.7% |
| Participation rate | 85.7% | 81.6%+4.1pp | 79.4%+6.3pp | 82.0%+3.8pp |
| Annual return | 18.35% | 34.80%-16.5pp | 30.90%-12.5pp | 302.95%-284.6pp |
| Employer contribution / active EE | $5,122 | $4,105+24.8% | $3,419+49.8% | $4,762+7.6% |
| Participant deferral / active EE | $9,314 | $6,677+39.5% | $6,271+48.5% | $5,983+55.7% |
| Admin fee / account holder | $25,856 | $11,000+135.0% | $8,084+219.8% | $11,250+129.8% |