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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 | $304,902 | $129,737+135.0% | $119,126+155.9% | $154,746+97.0% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 16.19% | 379.08%-362.9pp | 282.11%-265.9pp | 172.34%-156.1pp |
| Employer contribution / active EE | $9,670 | $4,375+121.0% | $4,034+139.7% | $4,379+120.8% |
| Participant deferral / active EE | $3,932 | $5,842-32.7% | $5,318-26.1% | $6,730-41.6% |
| Admin fee / account holder | $9,248 | $11,961-22.7% | $10,693-13.5% | $14,365-35.6% |