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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 | $162,967+69.3% | $135,792+103.2% | $138,895+98.6% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.6%+27.4pp | 79.9%+20.1pp |
| Annual return | 18.26% | 30.08%-11.8pp | 25.96%-7.7pp | 145.39%-127.1pp |
| Employer contribution / active EE | $1,572 | $4,211-62.7% | $3,496-55.0% | $4,194-62.5% |
| Participant deferral / active EE | $3,385 | $5,640-40.0% | $4,759-28.9% | $6,396-47.1% |
| Admin fee / account holder | $2,045 | $15,306-86.6% | $12,266-83.3% | $12,562-83.7% |