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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 | $185,141+48.5% | $153,416+79.2% | $155,188+77.1% |
| Participation rate | 100.0% | 79.9%+20.1pp | 74.3%+25.7pp | 80.8%+19.2pp |
| Annual return | 15.95% | 18.72%-2.8pp | 17.84%-1.9pp | 148.84%-132.9pp |
| Employer contribution / active EE | $11,018 | $4,489+145.4% | $3,764+192.7% | $4,248+159.4% |
| Participant deferral / active EE | $7,133 | $5,477+30.2% | $4,723+51.0% | $6,531+9.2% |
| Admin fee / account holder | $2,853 | $16,005-82.2% | $13,095-78.2% | $14,480-80.3% |