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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 | $306,620 | $104,650+193.0% | $83,854+265.7% | $155,188+97.6% |
| Participation rate | 100.0% | 65.1%+34.9pp | 59.1%+40.9pp | 80.8%+19.2pp |
| Annual return | 19.94% | 28.97%-9.0pp | 31.39%-11.5pp | 148.84%-128.9pp |
| Employer contribution / active EE | $7,753 | $1,196+548.1% | $1,017+662.2% | $4,248+82.5% |
| Participant deferral / active EE | $5,943 | $2,367+151.1% | $2,035+192.0% | $6,531-9.0% |
| Admin fee / account holder | $4,700 | $3,518+33.6% | $3,197+47.0% | $14,480-67.5% |