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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 | $261,445 | $124,980+109.2% | $108,359+141.3% | $154,746+69.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 15.15% | 45.00%-29.8pp | 36.89%-21.7pp | 172.34%-157.2pp |
| Employer contribution / active EE | $12,774 | $2,851+348.1% | $2,399+432.3% | $4,379+191.7% |
| Participant deferral / active EE | $2,797 | $4,743-41.0% | $4,137-32.4% | $6,730-58.4% |
| Admin fee / account holder | $2,385 | $11,502-79.3% | $9,741-75.5% | $14,365-83.4% |