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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 | $356,867 | $112,112+218.3% | $95,956+271.9% | $158,950+124.5% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 25.27% | 171.15%-145.9pp | 91.63%-66.4pp | 302.91%-277.6pp |
| Employer contribution / active EE | $3,633 | $3,199+13.6% | $2,541+42.9% | $4,762-23.7% |
| Participant deferral / active EE | $8,289 | $4,784+73.3% | $4,167+98.9% | $5,983+38.5% |
| Admin fee / account holder | $1,448 | $10,134-85.7% | $6,797-78.7% | $11,248-87.1% |