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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 | $326,791 | $129,737+151.9% | $119,126+174.3% | $154,746+111.2% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 17.22% | 379.08%-361.9pp | 282.11%-264.9pp | 172.34%-155.1pp |
| Employer contribution / active EE | $6,888 | $4,375+57.4% | $4,034+70.8% | $4,379+57.3% |
| Participant deferral / active EE | $7,270 | $5,842+24.5% | $5,318+36.7% | $6,730+8.0% |
| Admin fee / account holder | $3,572 | $11,961-70.1% | $10,693-66.6% | $14,365-75.1% |