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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 | $364,356 | $157,304+131.6% | $141,197+158.0% | $152,909+138.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 26.29% | 64.34%-38.1pp | 71.41%-45.1pp | 345.46%-319.2pp |
| Employer contribution / active EE | $1,827 | $5,263-65.3% | $4,736-61.4% | $4,764-61.7% |
| Participant deferral / active EE | $7,897 | $7,111+11.1% | $6,710+17.7% | $5,851+35.0% |
| Admin fee / account holder | $2,196 | $12,126-81.9% | $10,265-78.6% | $11,601-81.1% |