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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 | $255,896 | $111,535+129.4% | $105,223+143.2% | $137,256+86.4% |
| Participation rate | 93.3% | 78.1%+15.2pp | 75.0%+18.3pp | 80.0%+13.4pp |
| Annual return | 15.45% | 237.85%-222.4pp | 180.65%-165.2pp | 220.34%-204.9pp |
| Employer contribution / active EE | $3,158 | $3,939-19.8% | $3,689-14.4% | $4,156-24.0% |
| Participant deferral / active EE | $8,205 | $5,500+49.2% | $5,072+61.8% | $6,407+28.1% |
| Admin fee / account holder | $4,489 | $9,721-53.8% | $8,859-49.3% | $12,270-63.4% |