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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 | $355,752 | $76,551+364.7% | $123,894+187.1% | $62,881+465.8% |
| Participation rate | 78.6% | 73.0%+5.6pp | 81.4%-2.8pp | 69.3%+9.3pp |
| Annual return | 7.64% | 18.68%-11.0pp | 47.52%-39.9pp | 20.14%-12.5pp |
| Employer contribution / active EE | $754 | $2,882-73.8% | $4,617-83.7% | $2,281-66.9% |
| Participant deferral / active EE | $6,053 | $4,840+25.1% | $5,984+1.1% | $3,203+89.0% |
| Admin fee / account holder | $30,016 | $4,826+522.0% | $8,357+259.2% | $4,296+598.7% |