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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 | $331,404 | $100,073+231.2% | $85,126+289.3% | $145,877+127.2% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 16.38% | 84.11%-67.7pp | 66.63%-50.3pp | 551.28%-534.9pp |
| Employer contribution / active EE | $3,335 | $3,236+3.1% | $2,731+22.1% | $4,663-28.5% |
| Participant deferral / active EE | $16,090 | $5,294+203.9% | $4,523+255.7% | $6,691+140.5% |
| Admin fee / account holder | $12,402 | $7,261+70.8% | $6,160+101.3% | $13,402-7.5% |