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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 | $293,324 | $125,190+134.3% | $105,624+177.7% | $145,897+101.0% |
| Participation rate | 100.0% | 77.6%+22.4pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | 19.04% | 225.22%-206.2pp | 116.20%-97.2pp | 552.29%-533.2pp |
| Employer contribution / active EE | $3,035 | $3,720-18.4% | $3,168-4.2% | $4,663-34.9% |
| Participant deferral / active EE | $11,859 | $5,716+107.5% | $5,013+136.6% | $6,689+77.3% |
| Admin fee / account holder | $6,005 | $17,138-65.0% | $10,961-45.2% | $13,390-55.2% |