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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 | $305,245 | $217,427+40.4% | $185,837+64.3% | $167,518+82.2% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 13.99% | 148.39%-134.4pp | 122.08%-108.1pp | 478.71%-464.7pp |
| Employer contribution / active EE | $2,867 | $5,874-51.2% | $5,168-44.5% | $4,838-40.7% |
| Participant deferral / active EE | $6,828 | $6,357+7.4% | $5,568+22.6% | $6,342+7.7% |
| Admin fee / account holder | $5,253 | $19,816-73.5% | $16,241-67.7% | $12,312-57.3% |