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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 | $296,146 | $111,878+164.7% | $93,727+216.0% | $145,897+103.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 21.90% | 204.28%-182.4pp | 133.83%-111.9pp | 552.29%-530.4pp |
| Employer contribution / active EE | $1,204 | $3,092-61.1% | $2,421-50.3% | $4,663-74.2% |
| Participant deferral / active EE | $10,785 | $4,920+119.2% | $4,417+144.2% | $6,689+61.2% |
| Admin fee / account holder | $2,862 | $10,256-72.1% | $8,292-65.5% | $13,390-78.6% |