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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 | $305,351 | $104,907+191.1% | $84,610+260.9% | $152,870+99.7% |
| Participation rate | 100.0% | 74.8%+25.2pp | 68.2%+31.8pp | 82.4%+17.6pp |
| Annual return | 12.32% | 373.79%-361.5pp | 258.74%-246.4pp | 345.34%-333.0pp |
| Employer contribution / active EE | $1,639 | $3,301-50.4% | $2,652-38.2% | $4,763-65.6% |
| Participant deferral / active EE | $4,317 | $4,688-7.9% | $3,899+10.7% | $5,850-26.2% |
| Admin fee / account holder | $1,588 | $6,241-74.6% | $4,912-67.7% | $11,597-86.3% |