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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 | $464,914 | $208,088+123.4% | $186,193+149.7% | $154,746+200.4% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 25.81% | 89.97%-64.2pp | 78.03%-52.2pp | 172.34%-146.5pp |
| Employer contribution / active EE | $984 | $4,340-77.3% | $3,918-74.9% | $4,379-77.5% |
| Participant deferral / active EE | $7,971 | $7,078+12.6% | $6,513+22.4% | $6,730+18.4% |
| Admin fee / account holder | $3,469 | $11,698-70.3% | $11,058-68.6% | $14,365-75.9% |