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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 | $111,830+164.8% | $93,696+216.1% | $145,884+103.0% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 21.90% | 204.08%-182.2pp | 133.74%-111.8pp | 551.85%-530.0pp |
| Employer contribution / active EE | $1,204 | $3,093-61.1% | $2,422-50.3% | $4,662-74.2% |
| Participant deferral / active EE | $10,785 | $4,920+119.2% | $4,417+144.2% | $6,690+61.2% |
| Admin fee / account holder | $2,862 | $10,249-72.1% | $8,287-65.5% | $13,392-78.6% |