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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 | $308,320 | $211,224+46.0% | $178,505+72.7% | $145,897+111.3% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 10.75% | 30.28%-19.5pp | 27.16%-16.4pp | 552.29%-541.5pp |
| Employer contribution / active EE | $3,472 | $4,577-24.1% | $3,955-12.2% | $4,663-25.5% |
| Participant deferral / active EE | $11,859 | $6,966+70.2% | $6,280+88.8% | $6,689+77.3% |
| Admin fee / account holder | $6,193 | $12,109-48.9% | $10,428-40.6% | $13,390-53.7% |