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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 | $262,594 | $156,616+67.7% | $133,346+96.9% | $198,609+32.2% |
| Participation rate | 77.8% | 77.7%+0.1pp | 72.8%+4.9pp | 82.4%-4.6pp |
| Annual return | 14.29% | 44.25%-30.0pp | 36.85%-22.6pp | 202.70%-188.4pp |
| Employer contribution / active EE | $3,069 | $3,368-8.9% | $2,853+7.6% | $5,055-39.3% |
| Participant deferral / active EE | $9,184 | $4,920+86.7% | $4,332+112.0% | $6,977+31.6% |
| Admin fee / account holder | $2,552 | $17,468-85.4% | $14,264-82.1% | $19,030-86.6% |