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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 | $254,072 | $100,970+151.6% | $96,576+163.1% | $137,256+85.1% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 13.73% | 38.16%-24.4pp | 38.47%-24.7pp | 220.34%-206.6pp |
| Employer contribution / active EE | $2,421 | $3,809-36.4% | $3,553-31.9% | $4,156-41.7% |
| Participant deferral / active EE | $5,323 | $8,286-35.8% | $7,956-33.1% | $6,407-16.9% |
| Admin fee / account holder | $8,884 | $11,312-21.5% | $11,381-21.9% | $12,270-27.6% |