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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 | $274,159 | $64,324+326.2% | $118,914+130.6% | $79,856+243.3% |
| Participation rate | 89.7% | 64.9%+24.8pp | 75.4%+14.3pp | 69.6%+20.0pp |
| Annual return | 14.30% | 86.45%-72.1pp | 35.89%-21.6pp | 31.71%-17.4pp |
| Employer contribution / active EE | $2,209 | $1,836+20.3% | $3,264-32.3% | $2,471-10.6% |
| Participant deferral / active EE | $4,805 | $2,824+70.2% | $4,266+12.6% | $3,741+28.5% |
| Admin fee / account holder | $2,381 | $4,040-41.1% | $6,582-63.8% | $5,306-55.1% |