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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 | $274,349 | $185,883+47.6% | $170,043+61.3% | $139,466+96.7% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 14.81% | 60.54%-45.7pp | 53.40%-38.6pp | 373.66%-358.9pp |
| Employer contribution / active EE | $4,212 | $7,596-44.6% | $6,790-38.0% | $4,754-11.4% |
| Participant deferral / active EE | $24,584 | $11,626+111.5% | $10,410+136.2% | $6,712+266.3% |
| Admin fee / account holder | $2,230 | $15,393-85.5% | $12,824-82.6% | $11,409-80.5% |