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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 | $359,834 | $124,980+187.9% | $108,359+232.1% | $154,746+132.5% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 13.65% | 45.00%-31.3pp | 36.89%-23.2pp | 172.34%-158.7pp |
| Employer contribution / active EE | $7,539 | $2,851+164.5% | $2,399+214.2% | $4,379+72.1% |
| Participant deferral / active EE | $4,322 | $4,743-8.9% | $4,137+4.5% | $6,730-35.8% |
| Admin fee / account holder | $21,665 | $11,502+88.4% | $9,741+122.4% | $14,365+50.8% |