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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 | $277,470 | $111,535+148.8% | $105,223+163.7% | $137,256+102.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 13.52% | 237.85%-224.3pp | 180.65%-167.1pp | 220.34%-206.8pp |
| Employer contribution / active EE | $4,692 | $3,939+19.1% | $3,689+27.2% | $4,156+12.9% |
| Participant deferral / active EE | $9,350 | $5,500+70.0% | $5,072+84.4% | $6,407+45.9% |
| Admin fee / account holder | $1,539 | $9,721-84.2% | $8,859-82.6% | $12,270-87.5% |