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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 | $274,052 | $114,119+140.1% | $107,187+155.7% | $138,895+97.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 14.96% | 273.21%-258.2pp | 204.55%-189.6pp | 145.39%-130.4pp |
| Employer contribution / active EE | $3,810 | $4,059-6.1% | $3,782+0.7% | $4,194-9.2% |
| Participant deferral / active EE | $11,081 | $5,538+100.1% | $5,096+117.5% | $6,396+73.2% |
| Admin fee / account holder | $40,023 | $10,024+299.3% | $9,162+336.8% | $12,562+218.6% |