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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 | $253,681 | $211,105+20.2% | $178,449+42.2% | $145,978+73.8% |
| Participation rate | 85.7% | 80.8%+4.9pp | 77.1%+8.6pp | 80.3%+5.4pp |
| Annual return | 18.33% | 30.19%-11.9pp | 27.09%-8.8pp | 550.52%-532.2pp |
| Employer contribution / active EE | $2,582 | $4,569-43.5% | $3,951-34.6% | $4,662-44.6% |
| Participant deferral / active EE | $10,421 | $6,959+49.7% | $6,277+66.0% | $6,690+55.8% |
| Admin fee / account holder | $1,741 | $12,017-85.5% | $10,362-83.2% | $13,400-87.0% |