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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 | $260,193 | $162,785+59.8% | $133,959+94.2% | $158,950+63.7% |
| Participation rate | 94.4% | 83.2%+11.2pp | 79.8%+14.6pp | 82.0%+12.5pp |
| Annual return | 30.54% | 41.94%-11.4pp | 45.09%-14.6pp | 302.91%-272.4pp |
| Employer contribution / active EE | $3,864 | $4,975-22.3% | $3,919-1.4% | $4,762-18.8% |
| Participant deferral / active EE | $5,814 | $5,910-1.6% | $5,047+15.2% | $5,983-2.8% |
| Admin fee / account holder | $1,457 | $11,738-87.6% | $8,928-83.7% | $11,248-87.0% |