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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 | $263,975 | $107,421+145.7% | $182,262+44.8% | $94,015+180.8% |
| Participation rate | 96.3% | 77.8%+18.5pp | 84.2%+12.1pp | 70.8%+25.5pp |
| Annual return | 16.82% | 21.32%-4.5pp | 140.60%-123.8pp | 17.84%-1.0pp |
| Employer contribution / active EE | $1,249 | $3,448-63.8% | $5,046-75.2% | $2,790-55.2% |
| Participant deferral / active EE | $11,956 | $6,558+82.3% | $8,276+44.5% | $4,249+181.4% |
| Admin fee / account holder | $2,193 | $8,692-74.8% | $16,712-86.9% | $8,951-75.5% |