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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 | $398,289 | $107,363+271.0% | $92,909+328.7% | $152,897+160.5% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 22.90% | 145.63%-122.7pp | 109.44%-86.5pp | 345.43%-322.5pp |
| Employer contribution / active EE | $10,446 | $4,222+147.4% | $3,653+185.9% | $4,764+119.3% |
| Participant deferral / active EE | $12,428 | $4,848+156.4% | $4,238+193.2% | $5,851+112.4% |
| Admin fee / account holder | $2,192 | $7,082-69.0% | $5,795-62.2% | $11,599-81.1% |