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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 | $282,829 | $112,131+152.2% | $95,964+194.7% | $158,982+77.9% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 11.43% | 171.19%-159.8pp | 91.64%-80.2pp | 302.99%-291.6pp |
| Employer contribution / active EE | $3,360 | $3,199+5.0% | $2,541+32.2% | $4,763-29.5% |
| Participant deferral / active EE | $7,832 | $4,784+63.7% | $4,167+88.0% | $5,983+30.9% |
| Admin fee / account holder | $6,674 | $10,136-34.2% | $6,797-1.8% | $11,252-40.7% |