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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 | $312,997 | $147,556+112.1% | $129,031+142.6% | $198,609+57.6% |
| Participation rate | 91.7% | 77.2%+14.4pp | 73.4%+18.3pp | 82.4%+9.3pp |
| Annual return | 18.79% | 37.41%-18.6pp | 34.67%-15.9pp | 202.70%-183.9pp |
| Employer contribution / active EE | $1,818 | $3,645-50.1% | $3,226-43.7% | $5,055-64.0% |
| Participant deferral / active EE | $13,068 | $5,760+126.9% | $5,217+150.5% | $6,977+87.3% |
| Admin fee / account holder | $2,128 | $15,467-86.2% | $13,208-83.9% | $19,030-88.8% |