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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 | $283,064 | $129,737+118.2% | $119,126+137.6% | $154,746+82.9% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 14.37% | 379.08%-364.7pp | 282.11%-267.7pp | 172.34%-158.0pp |
| Employer contribution / active EE | $12,257 | $4,375+180.2% | $4,034+203.9% | $4,379+179.9% |
| Participant deferral / active EE | $12,606 | $5,842+115.8% | $5,318+137.1% | $6,730+87.3% |
| Admin fee / account holder | $3,718 | $11,961-68.9% | $10,693-65.2% | $14,365-74.1% |