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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 | $477,118 | $166,020+187.4% | $164,866+189.4% | $145,959+226.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 12.53% | 100.08%-87.6pp | 69.97%-57.4pp | 561.95%-549.4pp |
| Employer contribution / active EE | $2,459 | $5,275-53.4% | $4,343-43.4% | $4,661-47.2% |
| Participant deferral / active EE | $8,781 | $6,961+26.2% | $6,033+45.6% | $6,689+31.3% |
| Admin fee / account holder | $1,985 | $16,644-88.1% | $12,689-84.4% | $13,398-85.2% |