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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 | $285,158 | $93,346+205.5% | $71,796+297.2% | $273,972+4.1% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.1%+30.9pp | 83.0%+17.0pp |
| Annual return | 6.39% | 130.39%-124.0pp | 78.04%-71.6pp | 41.46%-35.1pp |
| Employer contribution / active EE | $9,782 | $2,733+257.9% | $1,924+408.3% | $4,869+100.9% |
| Participant deferral / active EE | $7,223 | $3,475+107.8% | $2,794+158.5% | $5,287+36.6% |
| Admin fee / account holder | $2,985 | $6,571-54.6% | $4,815-38.0% | $10,133-70.5% |