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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 | $299,941 | $181,896+64.9% | $156,551+91.6% | $273,972+9.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 10.25% | 30.74%-20.5pp | 32.23%-22.0pp | 41.46%-31.2pp |
| Employer contribution / active EE | $21,998 | $6,248+252.1% | $5,501+299.9% | $4,869+351.8% |
| Participant deferral / active EE | $7,987 | $5,550+43.9% | $4,871+64.0% | $5,287+51.1% |
| Admin fee / account holder | $6,792 | $15,560-56.4% | $13,028-47.9% | $10,133-33.0% |