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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 | $126,661+181.1% | $113,397+214.0% | $138,895+156.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 17.58% | 25.05%-7.5pp | 23.20%-5.6pp | 145.39%-127.8pp |
| Employer contribution / active EE | $3,074 | $3,456-11.1% | $2,977+3.3% | $4,194-26.7% |
| Participant deferral / active EE | $11,001 | $5,693+93.3% | $5,076+116.7% | $6,396+72.0% |
| Admin fee / account holder | $4,022 | $14,549-72.4% | $11,957-66.4% | $12,562-68.0% |