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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 | $301,076 | $157,276+91.4% | $141,177+113.3% | $152,885+96.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 29.16% | 64.33%-35.2pp | 71.40%-42.2pp | 345.39%-316.2pp |
| Employer contribution / active EE | $6,368 | $5,262+21.0% | $4,736+34.5% | $4,763+33.7% |
| Participant deferral / active EE | $10,140 | $7,110+42.6% | $6,710+51.1% | $5,851+73.3% |
| Admin fee / account holder | $4,144 | $12,123-65.8% | $10,263-59.6% | $11,598-64.3% |