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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 | $464,871 | $106,003+338.5% | $92,236+404.0% | $147,585+215.0% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 21.84% | 50.05%-28.2pp | 176.29%-154.4pp | 578.57%-556.7pp |
| Employer contribution / active EE | $4,026 | $4,333-7.1% | $3,679+9.4% | $4,876-17.4% |
| Participant deferral / active EE | $9,117 | $4,478+103.6% | $3,897+133.9% | $5,439+67.6% |
| Admin fee / account holder | $8,659 | $6,333+36.7% | $5,194+66.7% | $10,885-20.5% |