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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 | $369,629 | $213,785+72.9% | $185,441+99.3% | $155,188+138.2% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 8.35% | 19.97%-11.6pp | 20.16%-11.8pp | 148.84%-140.5pp |
| Employer contribution / active EE | $19,240 | $5,393+256.8% | $4,672+311.8% | $4,248+352.9% |
| Participant deferral / active EE | $10,473 | $6,864+52.6% | $6,152+70.3% | $6,531+60.4% |
| Admin fee / account holder | $5,214 | $21,134-75.3% | $17,890-70.9% | $14,480-64.0% |