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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 | $383,681 | $132,634+189.3% | $115,768+231.4% | $137,256+179.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 17.38% | 160.70%-143.3pp | 100.46%-83.1pp | 220.34%-203.0pp |
| Employer contribution / active EE | $3,392 | $3,360+1.0% | $2,940+15.4% | $4,156-18.4% |
| Participant deferral / active EE | $9,903 | $5,619+76.3% | $4,917+101.4% | $6,407+54.6% |
| Admin fee / account holder | $2,336 | $15,028-84.5% | $12,439-81.2% | $12,270-81.0% |