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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 | $452,827 | $175,259+158.4% | $149,723+202.4% | $139,487+224.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.92% | 166.82%-149.9pp | 134.50%-117.6pp | 373.84%-356.9pp |
| Employer contribution / active EE | $2,445 | $5,478-55.4% | $4,821-49.3% | $4,755-48.6% |
| Participant deferral / active EE | $10,000 | $6,522+53.3% | $5,682+76.0% | $6,713+49.0% |
| Admin fee / account holder | $1,118 | $16,158-93.1% | $13,215-91.5% | $11,407-90.2% |