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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 | $384,134 | $166,131+131.2% | $164,975+132.8% | $145,877+163.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 16.57% | 100.37%-83.8pp | 70.12%-53.5pp | 551.28%-534.7pp |
| Employer contribution / active EE | $5,107 | $5,276-3.2% | $4,343+17.6% | $4,663+9.5% |
| Participant deferral / active EE | $13,956 | $6,962+100.5% | $6,033+131.3% | $6,691+108.6% |
| Admin fee / account holder | $1,332 | $16,648-92.0% | $12,688-89.5% | $13,402-90.1% |