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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 | $338,117 | $111,535+203.1% | $105,223+221.3% | $137,256+146.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 14.66% | 237.85%-223.2pp | 180.65%-166.0pp | 220.34%-205.7pp |
| Employer contribution / active EE | $4,153 | $3,939+5.4% | $3,689+12.6% | $4,156-0.1% |
| Participant deferral / active EE | $11,702 | $5,500+112.8% | $5,072+130.7% | $6,407+82.7% |
| Admin fee / account holder | $5,461 | $9,721-43.8% | $8,859-38.4% | $12,270-55.5% |