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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 | $279,355 | $176,786+58.0% | $146,643+90.5% | $167,536+66.7% |
| Participation rate | 83.3% | 83.6%-0.3pp | 80.1%+3.3pp | 82.1%+1.2pp |
| Annual return | 11.86% | 24.04%-12.2pp | 22.75%-10.9pp | 478.82%-467.0pp |
| Employer contribution / active EE | $0 | $5,161-100.0% | $4,137-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $5,961 | $6,440-7.4% | $5,506+8.3% | $6,342-6.0% |
| Admin fee / account holder | $491 | $13,262-96.3% | $10,280-95.2% | $12,315-96.0% |