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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 | $377,421 | $217,427+73.6% | $185,837+103.1% | $167,518+125.3% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 15.91% | 148.39%-132.5pp | 122.08%-106.2pp | 478.71%-462.8pp |
| Employer contribution / active EE | $6,128 | $5,874+4.3% | $5,168+18.6% | $4,838+26.6% |
| Participant deferral / active EE | $6,751 | $6,357+6.2% | $5,568+21.2% | $6,342+6.4% |
| Admin fee / account holder | $2,153 | $19,816-89.1% | $16,241-86.7% | $12,312-82.5% |