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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 | $283,967 | $154,209+84.1% | $130,062+118.3% | $139,487+103.6% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 18.05% | 32.52%-14.5pp | -137.37%+155.4pp | 373.84%-355.8pp |
| Employer contribution / active EE | $2,582 | $5,292-51.2% | $4,322-40.3% | $4,755-45.7% |
| Participant deferral / active EE | $15,029 | $6,709+124.0% | $5,821+158.2% | $6,713+123.9% |
| Admin fee / account holder | $2,458 | $13,988-82.4% | $10,601-76.8% | $11,407-78.5% |