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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 | $356,410 | $165,399+115.5% | $149,745+138.0% | $158,982+124.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 12.83% | 348.34%-335.5pp | 276.72%-263.9pp | 302.99%-290.2pp |
| Employer contribution / active EE | $2,374 | $5,105-53.5% | $4,646-48.9% | $4,763-50.2% |
| Participant deferral / active EE | $23,942 | $7,183+233.3% | $6,843+249.9% | $5,983+300.1% |
| Admin fee / account holder | $4,465 | $10,811-58.7% | $9,312-52.0% | $11,252-60.3% |