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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 | $354,478 | $105,158+237.1% | $94,672+274.4% | $139,487+154.1% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 18.44% | 38.11%-19.7pp | 156.89%-138.4pp | 373.84%-355.4pp |
| Employer contribution / active EE | $3,343 | $4,107-18.6% | $3,673-9.0% | $4,755-29.7% |
| Participant deferral / active EE | $16,069 | $7,599+111.5% | $7,417+116.6% | $6,713+139.4% |
| Admin fee / account holder | $337 | $8,972-96.2% | $7,222-95.3% | $11,407-97.0% |