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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 | $275,878 | $161,352+71.0% | $134,172+105.6% | $137,256+101.0% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 18.26% | 28.72%-10.5pp | 25.30%-7.0pp | 220.34%-202.1pp |
| Employer contribution / active EE | $1,572 | $4,099-61.7% | $3,420-54.0% | $4,156-62.2% |
| Participant deferral / active EE | $3,385 | $5,552-39.0% | $4,690-27.8% | $6,407-47.2% |
| Admin fee / account holder | $2,045 | $15,028-86.4% | $12,016-83.0% | $12,270-83.3% |