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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 | $253,406 | $157,304+61.1% | $141,197+79.5% | $152,909+65.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 16.83% | 64.34%-47.5pp | 71.41%-54.6pp | 345.46%-328.6pp |
| Employer contribution / active EE | $2,330 | $5,263-55.7% | $4,736-50.8% | $4,764-51.1% |
| Participant deferral / active EE | $5,742 | $7,111-19.2% | $6,710-14.4% | $5,851-1.9% |
| Admin fee / account holder | $11,414 | $12,126-5.9% | $10,265+11.2% | $11,601-1.6% |