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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 | $270,048 | $157,829+71.1% | $136,867+97.3% | $198,609+36.0% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 19.83% | 51.25%-31.4pp | 42.97%-23.1pp | 202.70%-182.9pp |
| Employer contribution / active EE | $8,845 | $3,923+125.5% | $3,547+149.4% | $5,055+75.0% |
| Participant deferral / active EE | $5,972 | $5,463+9.3% | $4,924+21.3% | $6,977-14.4% |
| Admin fee / account holder | $1,190 | $11,107-89.3% | $10,340-88.5% | $19,030-93.7% |