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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 | $263,713 | $87,166+202.5% | $76,735+243.7% | $137,256+92.1% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 12.98% | 26.50%-13.5pp | 29.77%-16.8pp | 220.34%-207.4pp |
| Employer contribution / active EE | $2,473 | $2,904-14.9% | $2,454+0.7% | $4,156-40.5% |
| Participant deferral / active EE | $6,295 | $4,726+33.2% | $4,088+54.0% | $6,407-1.8% |
| Admin fee / account holder | $2,701 | $8,403-67.9% | $7,189-62.4% | $12,270-78.0% |