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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 | $107,809+190.3% | $97,032+222.6% | $155,188+101.7% |
| Participation rate | 91.7% | 75.5%+16.2pp | 71.6%+20.1pp | 80.8%+10.9pp |
| Annual return | 18.79% | 38.06%-19.3pp | 35.38%-16.6pp | 148.84%-130.1pp |
| Employer contribution / active EE | $1,818 | $2,911-37.6% | $2,629-30.9% | $4,248-57.2% |
| Participant deferral / active EE | $13,068 | $5,129+154.8% | $4,672+179.7% | $6,531+100.1% |
| Admin fee / account holder | $2,128 | $10,717-80.1% | $9,418-77.4% | $14,480-85.3% |