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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 | $290,283 | $117,829+146.4% | $102,423+183.4% | $145,877+99.0% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 14.20% | 31.83%-17.6pp | 29.42%-15.2pp | 551.28%-537.1pp |
| Employer contribution / active EE | $2,553 | $3,615-29.4% | $3,023-15.5% | $4,663-45.2% |
| Participant deferral / active EE | $8,786 | $5,732+53.3% | $5,054+73.8% | $6,691+31.3% |
| Admin fee / account holder | $14,956 | $13,335+12.2% | $9,455+58.2% | $13,402+11.6% |