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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 | $267,262 | $97,125+175.2% | $86,233+209.9% | $137,256+94.7% |
| Participation rate | 93.3% | 74.2%+19.1pp | 69.0%+24.3pp | 80.0%+13.4pp |
| Annual return | 17.20% | 74.19%-57.0pp | 61.39%-44.2pp | 220.34%-203.1pp |
| Employer contribution / active EE | $1,635 | $2,841-42.4% | $2,504-34.7% | $4,156-60.6% |
| Participant deferral / active EE | $10,895 | $5,180+110.3% | $4,559+139.0% | $6,407+70.0% |
| Admin fee / account holder | $11,527 | $9,725+18.5% | $8,342+38.2% | $12,270-6.1% |