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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 | $346,161 | $175,259+97.5% | $149,723+131.2% | $139,487+148.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 14.83% | 166.82%-152.0pp | 134.50%-119.7pp | 373.84%-359.0pp |
| Employer contribution / active EE | $1,926 | $5,478-64.8% | $4,821-60.1% | $4,755-59.5% |
| Participant deferral / active EE | $5,344 | $6,522-18.1% | $5,682-6.0% | $6,713-20.4% |
| Admin fee / account holder | $1,824 | $16,158-88.7% | $13,215-86.2% | $11,407-84.0% |