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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 | $282,530 | $176,402+60.2% | $134,162+110.6% | $158,982+77.7% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 12.20% | 63.66%-51.5pp | 36.35%-24.1pp | 302.99%-290.8pp |
| Employer contribution / active EE | $740 | $5,042-85.3% | $3,705-80.0% | $4,763-84.5% |
| Participant deferral / active EE | $17,333 | $4,093+323.5% | $3,500+395.3% | $5,983+189.7% |
| Admin fee / account holder | $10,360 | $8,719+18.8% | $6,685+55.0% | $11,252-7.9% |