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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 | $433,515 | $171,492+152.8% | $150,734+187.6% | $198,609+118.3% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 7.96% | 804.70%-796.7pp | 600.81%-592.8pp | 202.70%-194.7pp |
| Employer contribution / active EE | $3,800 | $5,470-30.5% | $4,918-22.7% | $5,055-24.8% |
| Participant deferral / active EE | $8,341 | $6,259+33.3% | $5,610+48.7% | $6,977+19.6% |
| Admin fee / account holder | $11,403 | $17,628-35.3% | $14,905-23.5% | $19,030-40.1% |