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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 | $278,068 | $181,896+52.9% | $156,551+77.6% | $273,972+1.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 7.39% | 30.74%-23.4pp | 32.23%-24.8pp | 41.46%-34.1pp |
| Employer contribution / active EE | $1,605 | $6,248-74.3% | $5,501-70.8% | $4,869-67.0% |
| Participant deferral / active EE | $3,162 | $5,550-43.0% | $4,871-35.1% | $5,287-40.2% |
| Admin fee / account holder | $9,836 | $15,560-36.8% | $13,028-24.5% | $10,133-2.9% |