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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 | $271,647 | $99,345+173.4% | $84,753+220.5% | $273,972-0.8% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 8.06% | 22.93%-14.9pp | 22.78%-14.7pp | 41.46%-33.4pp |
| Employer contribution / active EE | $15,296 | $4,214+263.0% | $3,574+327.9% | $4,869+214.2% |
| Participant deferral / active EE | $11,550 | $4,270+170.5% | $3,712+211.2% | $5,287+118.5% |
| Admin fee / account holder | $1,078 | $6,645-83.8% | $5,333-79.8% | $10,133-89.4% |