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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 | $253,265 | $135,956+86.3% | $123,894+104.4% | $273,972-7.6% |
| Participation rate | 91.7% | 84.1%+7.6pp | 81.4%+10.3pp | 83.0%+8.7pp |
| Annual return | 10.25% | 56.63%-46.4pp | 47.52%-37.3pp | 41.46%-31.2pp |
| Employer contribution / active EE | $3,407 | $5,170-34.1% | $4,617-26.2% | $4,869-30.0% |
| Participant deferral / active EE | $12,762 | $6,343+101.2% | $5,984+113.3% | $5,287+141.4% |
| Admin fee / account holder | $2,268 | $9,817-76.9% | $8,357-72.9% | $10,133-77.6% |