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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 | $316,422 | $208,088+52.1% | $186,193+69.9% | $154,746+104.5% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 12.84% | 89.97%-77.1pp | 78.03%-65.2pp | 172.34%-159.5pp |
| Employer contribution / active EE | $14,286 | $4,340+229.2% | $3,918+264.6% | $4,379+226.2% |
| Participant deferral / active EE | $23,703 | $7,078+234.9% | $6,513+263.9% | $6,730+252.2% |
| Admin fee / account holder | $8,400 | $11,698-28.2% | $11,058-24.0% | $14,365-41.5% |