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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 | $317,926 | $115,814+174.5% | $101,275+213.9% | $158,982+100.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 10.32% | 56.16%-45.8pp | 46.48%-36.2pp | 302.99%-292.7pp |
| Employer contribution / active EE | $806 | $4,176-80.7% | $3,660-78.0% | $4,763-83.1% |
| Participant deferral / active EE | $5,562 | $4,958+12.2% | $4,371+27.2% | $5,983-7.1% |
| Admin fee / account holder | $1,466 | $7,249-79.8% | $5,948-75.3% | $11,252-87.0% |