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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 | $274,858 | $162,967+68.7% | $135,792+102.4% | $138,895+97.9% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 15.95% | 30.08%-14.1pp | 25.96%-10.0pp | 145.39%-129.4pp |
| Employer contribution / active EE | $11,018 | $4,211+161.6% | $3,496+215.2% | $4,194+162.7% |
| Participant deferral / active EE | $7,133 | $5,640+26.5% | $4,759+49.9% | $6,396+11.5% |
| Admin fee / account holder | $2,853 | $15,306-81.4% | $12,266-76.7% | $12,562-77.3% |