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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 | $423,167 | $108,882+288.6% | $96,754+337.4% | $154,746+173.5% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 10.82% | 98.39%-87.6pp | 82.04%-71.2pp | 172.34%-161.5pp |
| Employer contribution / active EE | $2,777 | $3,018-8.0% | $2,679+3.6% | $4,379-36.6% |
| Participant deferral / active EE | $18,651 | $5,323+250.4% | $4,758+292.0% | $6,730+177.1% |
| Admin fee / account holder | $4,544 | $10,200-55.5% | $8,905-49.0% | $14,365-68.4% |