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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 | $330,393 | $197,637+67.2% | $177,848+85.8% | $158,982+107.8% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 23.07% | 58.77%-35.7pp | 48.33%-25.3pp | 302.99%-279.9pp |
| Employer contribution / active EE | $4,688 | $6,698-30.0% | $5,919-20.8% | $4,763-1.6% |
| Participant deferral / active EE | $9,750 | $8,405+16.0% | $7,714+26.4% | $5,983+62.9% |
| Admin fee / account holder | $100,567 | $15,406+552.8% | $12,431+709.0% | $11,252+793.8% |