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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 | $396,867 | $138,076+187.4% | $123,553+221.2% | $135,380+193.2% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | 8.64% | 153.70%-145.1pp | 119.21%-110.6pp | 519.81%-511.2pp |
| Employer contribution / active EE | $7,024 | $5,152+36.3% | $4,628+51.8% | $4,779+47.0% |
| Participant deferral / active EE | $7,867 | $6,800+15.7% | $6,426+22.4% | $5,609+40.3% |
| Admin fee / account holder | $5,248 | $10,917-51.9% | $9,284-43.5% | $10,828-51.5% |