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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 | $253,086 | $112,729+124.5% | $98,716+156.4% | $137,256+84.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 11.92% | 38.48%-26.6pp | 31.81%-19.9pp | 220.34%-208.4pp |
| Employer contribution / active EE | $5,928 | $2,725+117.5% | $2,279+160.2% | $4,156+42.6% |
| Participant deferral / active EE | $13,969 | $4,640+201.0% | $4,048+245.1% | $6,407+118.0% |
| Admin fee / account holder | $3,733 | $10,129-63.1% | $8,703-57.1% | $12,270-69.6% |