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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 | $400,849 | $208,088+92.6% | $186,193+115.3% | $154,746+159.0% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 14.84% | 89.97%-75.1pp | 78.03%-63.2pp | 172.34%-157.5pp |
| Employer contribution / active EE | $2,065 | $4,340-52.4% | $3,918-47.3% | $4,379-52.9% |
| Participant deferral / active EE | $12,615 | $7,078+78.2% | $6,513+93.7% | $6,730+87.4% |
| Admin fee / account holder | $435 | $11,698-96.3% | $11,058-96.1% | $14,365-97.0% |