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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 | $291,634 | $209,422+39.3% | $178,503+63.4% | $158,982+83.4% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 26.78% | 188.81%-162.0pp | 151.12%-124.3pp | 302.99%-276.2pp |
| Employer contribution / active EE | $3,416 | $5,707-40.1% | $5,011-31.8% | $4,763-28.3% |
| Participant deferral / active EE | $11,300 | $5,955+89.8% | $5,202+117.2% | $5,983+88.9% |
| Admin fee / account holder | $3,475 | $17,079-79.7% | $13,987-75.2% | $11,252-69.1% |