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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 | $329,835 | $162,821+102.6% | $133,978+146.2% | $158,982+107.5% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 15.87% | 41.95%-26.1pp | 45.10%-29.2pp | 302.99%-287.1pp |
| Employer contribution / active EE | $2,657 | $4,976-46.6% | $3,919-32.2% | $4,763-44.2% |
| Participant deferral / active EE | $9,763 | $5,910+65.2% | $5,047+93.4% | $5,983+63.2% |
| Admin fee / account holder | $1,506 | $11,742-87.2% | $8,930-83.1% | $11,252-86.6% |