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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 | $288,888 | $157,829+83.0% | $136,867+111.1% | $198,609+45.5% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 16.07% | 51.25%-35.2pp | 42.97%-26.9pp | 202.70%-186.6pp |
| Employer contribution / active EE | $20,914 | $3,923+433.2% | $3,547+489.6% | $5,055+313.7% |
| Participant deferral / active EE | $9,958 | $5,463+82.3% | $4,924+102.2% | $6,977+42.7% |
| Admin fee / account holder | $2,216 | $11,107-80.0% | $10,340-78.6% | $19,030-88.4% |