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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 | $278,140 | $208,088+33.7% | $186,193+49.4% | $154,746+79.7% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 18.29% | 89.97%-71.7pp | 78.03%-59.7pp | 172.34%-154.0pp |
| Employer contribution / active EE | $2,727 | $4,340-37.2% | $3,918-30.4% | $4,379-37.7% |
| Participant deferral / active EE | $7,458 | $7,078+5.4% | $6,513+14.5% | $6,730+10.8% |
| Admin fee / account holder | $1,928 | $11,698-83.5% | $11,058-82.6% | $14,365-86.6% |