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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 | $292,400 | $162,821+79.6% | $133,978+118.2% | $158,982+83.9% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 21.01% | 41.95%-20.9pp | 45.10%-24.1pp | 302.99%-282.0pp |
| Employer contribution / active EE | $3,750 | $4,976-24.6% | $3,919-4.3% | $4,763-21.3% |
| Participant deferral / active EE | $0 | $5,910-100.0% | $5,047-100.0% | $5,983-100.0% |
| Admin fee / account holder | $12,306 | $11,742+4.8% | $8,930+37.8% | $11,252+9.4% |