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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 | $356,024 | $138,312+157.4% | $122,979+189.5% | $155,188+129.4% |
| Participation rate | 100.0% | 80.2%+19.8pp | 77.2%+22.8pp | 80.8%+19.2pp |
| Annual return | 17.58% | 22.06%-4.5pp | 20.12%-2.5pp | 148.84%-131.3pp |
| Employer contribution / active EE | $3,074 | $3,530-12.9% | $3,062+0.4% | $4,248-27.6% |
| Participant deferral / active EE | $11,001 | $5,592+96.7% | $5,003+119.9% | $6,531+68.4% |
| Admin fee / account holder | $4,022 | $15,089-73.3% | $12,864-68.7% | $14,480-72.2% |