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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 | $327,979 | $148,629+120.7% | $135,982+141.2% | $139,487+135.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 14.76% | 79.33%-64.6pp | 68.32%-53.6pp | 373.84%-359.1pp |
| Employer contribution / active EE | $3,221 | $5,247-38.6% | $4,859-33.7% | $4,755-32.3% |
| Participant deferral / active EE | $12,120 | $8,102+49.6% | $7,760+56.2% | $6,713+80.6% |
| Admin fee / account holder | $2,839 | $12,406-77.1% | $10,767-73.6% | $11,407-75.1% |