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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 | $344,265 | $162,785+111.5% | $133,959+157.0% | $158,950+116.6% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 8.38% | 41.94%-33.6pp | 45.09%-36.7pp | 302.91%-294.5pp |
| Employer contribution / active EE | $5,923 | $4,975+19.0% | $3,919+51.2% | $4,762+24.4% |
| Participant deferral / active EE | $20,711 | $5,910+250.4% | $5,047+310.3% | $5,983+246.2% |
| Admin fee / account holder | $1,380 | $11,738-88.2% | $8,928-84.5% | $11,248-87.7% |