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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 | $290,695 | $126,661+129.5% | $113,397+156.4% | $138,895+109.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 17.41% | 25.05%-7.6pp | 23.20%-5.8pp | 145.39%-128.0pp |
| Employer contribution / active EE | $2,067 | $3,456-40.2% | $2,977-30.6% | $4,194-50.7% |
| Participant deferral / active EE | $7,356 | $5,693+29.2% | $5,076+44.9% | $6,396+15.0% |
| Admin fee / account holder | $25,114 | $14,549+72.6% | $11,957+110.0% | $12,562+99.9% |