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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 | $296,230 | $165,399+79.1% | $149,745+97.8% | $158,982+86.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.46% | 348.34%-336.9pp | 276.72%-265.3pp | 302.99%-291.5pp |
| Employer contribution / active EE | $2,309 | $5,105-54.8% | $4,646-50.3% | $4,763-51.5% |
| Participant deferral / active EE | $11,485 | $7,183+59.9% | $6,843+67.8% | $5,983+92.0% |
| Admin fee / account holder | $3,372 | $10,811-68.8% | $9,312-63.8% | $11,252-70.0% |