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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 | $377,796 | $107,341+252.0% | $92,897+306.7% | $152,870+147.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 21.48% | 145.59%-124.1pp | 109.42%-87.9pp | 345.34%-323.9pp |
| Employer contribution / active EE | $3,690 | $4,221-12.6% | $3,653+1.0% | $4,763-22.5% |
| Participant deferral / active EE | $13,100 | $4,847+170.3% | $4,238+209.1% | $5,850+123.9% |
| Admin fee / account holder | $2,841 | $7,080-59.9% | $5,794-51.0% | $11,597-75.5% |