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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 | $287,274 | $183,592+56.5% | $155,574+84.7% | $145,877+96.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.49% | 61.37%-47.9pp | 64.87%-51.4pp | 551.28%-537.8pp |
| Employer contribution / active EE | $1,783 | $5,317-66.5% | $4,676-61.9% | $4,663-61.8% |
| Participant deferral / active EE | $8,131 | $6,466+25.7% | $5,629+44.4% | $6,691+21.5% |
| Admin fee / account holder | $14,156 | $19,316-26.7% | $15,914-11.0% | $13,402+5.6% |