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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 | $177,156+55.7% | $147,027+87.6% | $154,746+78.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 18.26% | 21.94%-3.7pp | 20.23%-2.0pp | 172.34%-154.1pp |
| Employer contribution / active EE | $1,572 | $4,336-63.8% | $3,626-56.7% | $4,379-64.1% |
| Participant deferral / active EE | $3,385 | $5,797-41.6% | $4,933-31.4% | $6,730-49.7% |
| Admin fee / account holder | $2,045 | $14,904-86.3% | $12,223-83.3% | $14,365-85.8% |