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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 | $132,099+190.4% | $115,599+231.9% | $138,895+176.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.3%+25.7pp | 79.9%+20.1pp |
| Annual return | 17.38% | 176.76%-159.4pp | 111.10%-93.7pp | 145.39%-128.0pp |
| Employer contribution / active EE | $3,392 | $3,416-0.7% | $2,955+14.8% | $4,194-19.1% |
| Participant deferral / active EE | $9,903 | $5,617+76.3% | $4,889+102.5% | $6,396+54.8% |
| Admin fee / account holder | $2,336 | $15,650-85.1% | $12,841-81.8% | $12,562-81.4% |