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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 | $256,852 | $161,352+59.2% | $134,172+91.4% | $137,256+87.1% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 10.20% | 28.72%-18.5pp | 25.30%-15.1pp | 220.34%-210.1pp |
| Employer contribution / active EE | $13,566 | $4,099+231.0% | $3,420+296.7% | $4,156+226.4% |
| Participant deferral / active EE | $6,691 | $5,552+20.5% | $4,690+42.6% | $6,407+4.4% |
| Admin fee / account holder | $9,808 | $15,028-34.7% | $12,016-18.4% | $12,270-20.1% |