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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 | $254,417 | $112,121+126.9% | $95,960+165.1% | $158,966+60.0% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 11.02% | 171.16%-160.1pp | 91.63%-80.6pp | 302.95%-291.9pp |
| Employer contribution / active EE | $12,152 | $3,199+279.9% | $2,541+378.2% | $4,762+155.2% |
| Participant deferral / active EE | $13,059 | $4,784+173.0% | $4,167+213.4% | $5,983+118.3% |
| Admin fee / account holder | $2,092 | $10,135-79.4% | $6,797-69.2% | $11,250-81.4% |