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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 | $134,817+142.4% | $123,973+163.6% | $155,188+110.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 17.22% | 515.49%-498.3pp | 388.13%-370.9pp | 148.84%-131.6pp |
| Employer contribution / active EE | $6,888 | $4,425+55.7% | $4,126+67.0% | $4,248+62.2% |
| Participant deferral / active EE | $7,270 | $5,706+27.4% | $5,247+38.6% | $6,531+11.3% |
| Admin fee / account holder | $3,572 | $13,245-73.0% | $11,799-69.7% | $14,480-75.3% |