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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 | $346,616 | $239,571+44.7% | $183,328+89.1% | $137,256+152.5% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 80.0%+20.0pp |
| Annual return | 14.60% | 35.69%-21.1pp | 29.67%-15.1pp | 220.34%-205.7pp |
| Employer contribution / active EE | $2,925 | $6,148-52.4% | $5,055-42.1% | $4,156-29.6% |
| Participant deferral / active EE | $7,819 | $7,995-2.2% | $6,795+15.1% | $6,407+22.0% |
| Admin fee / account holder | $404 | $30,059-98.7% | $21,427-98.1% | $12,270-96.7% |