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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 | $268,613 | $107,809+149.2% | $97,032+176.8% | $155,188+73.1% |
| Participation rate | 100.0% | 75.5%+24.5pp | 71.6%+28.4pp | 80.8%+19.2pp |
| Annual return | 13.25% | 38.06%-24.8pp | 35.38%-22.1pp | 148.84%-135.6pp |
| Employer contribution / active EE | $28,004 | $2,911+862.0% | $2,629+965.3% | $4,248+559.3% |
| Participant deferral / active EE | $16,775 | $5,129+227.0% | $4,672+259.0% | $6,531+156.8% |
| Admin fee / account holder | $1,374 | $10,717-87.2% | $9,418-85.4% | $14,480-90.5% |