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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 | $339,348 | $227,399+49.2% | $189,758+78.8% | $198,609+70.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 21.63% | 61.03%-39.4pp | 52.62%-31.0pp | 202.70%-181.1pp |
| Employer contribution / active EE | $3,174 | $5,526-42.6% | $4,767-33.4% | $5,055-37.2% |
| Participant deferral / active EE | $19,020 | $6,837+178.2% | $5,856+224.8% | $6,977+172.6% |
| Admin fee / account holder | $8,220 | $25,162-67.3% | $20,388-59.7% | $19,030-56.8% |