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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 | $300,392 | $101,618+195.6% | $93,063+222.8% | $137,256+118.9% |
| Participation rate | 85.7% | 74.9%+10.8pp | 72.1%+13.6pp | 80.0%+5.8pp |
| Annual return | 18.67% | 223.95%-205.3pp | 34.15%-15.5pp | 220.34%-201.7pp |
| Employer contribution / active EE | $10,470 | $2,707+286.8% | $2,476+322.9% | $4,156+151.9% |
| Participant deferral / active EE | $7,963 | $4,279+86.1% | $3,958+101.2% | $6,407+24.3% |
| Admin fee / account holder | $1,373 | $6,198-77.8% | $6,033-77.2% | $12,270-88.8% |