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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 | $320,335 | $166,020+92.9% | $164,866+94.3% | $145,959+119.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 21.45% | 100.08%-78.6pp | 69.97%-48.5pp | 561.95%-540.5pp |
| Employer contribution / active EE | $4,000 | $5,275-24.2% | $4,343-7.9% | $4,661-14.2% |
| Participant deferral / active EE | $16,500 | $6,961+137.0% | $6,033+173.5% | $6,689+146.7% |
| Admin fee / account holder | $3,406 | $16,644-79.5% | $12,689-73.2% | $13,398-74.6% |