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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 | $301,039 | $176,786+70.3% | $146,643+105.3% | $167,536+79.7% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 16.85% | 24.04%-7.2pp | 22.75%-5.9pp | 478.82%-462.0pp |
| Employer contribution / active EE | $1,670 | $5,161-67.6% | $4,137-59.6% | $4,839-65.5% |
| Participant deferral / active EE | $5,283 | $6,440-18.0% | $5,506-4.1% | $6,342-16.7% |
| Admin fee / account holder | $1,493 | $13,262-88.7% | $10,280-85.5% | $12,315-87.9% |