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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 | $258,345 | $84,236+206.7% | $170,439+51.6% | $70,124+268.4% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 18.02% | 23.06%-5.0pp | 205.94%-187.9pp | 73.14%-55.1pp |
| Employer contribution / active EE | $7,660 | $3,387+126.1% | $5,433+41.0% | $2,342+227.0% |
| Participant deferral / active EE | $5,137 | $3,086+66.5% | $4,939+4.0% | $3,332+54.2% |
| Admin fee / account holder | $3,193 | $5,698-44.0% | $13,881-77.0% | $4,645-31.3% |